Credit Evaluation School Dec 2022

Internal Use Only

Subsequent Items to Consider • Concentrations • OREO • Investment portfolio • Off-balance sheet items

• Internal controls and management information systems • Adequacy of loan and investment policies, procedures, and practices

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Internal Use Only

AM Duties – Quick Overview • Scope loans/OREO for examiner review • Follow-up on prior examination findings/recommendations/violations/contraventions. • Review Loan Committee Minutes • Review Loan/Lending Policy and other lending policies, if needed. • Review UBPR/Call Report information related to AQ • Review completed linesheets from credit examiners. • Compile and review AQ related findings/recommendations/violations/contraventions. • Participate in individual loan discussions. • Conduct small loan (Discuss Only) discussions. • Review/edit loan write-ups • Update management on exam related AQ findings. • Prepare AQ comment and report pages. (for ECC, RMA, Concentrations)

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