Credit Evaluation School Dec 2022

Credit Evaluation School Line Decks and Loan Classificat ion Discussion Instruct ions

Introduction Students will receive two line decks during the school. In groups, students will review the line sheets in each deck and prepare for discussions with the loan officers. The instructors will be playing the part of the loan officer responsible for the credit. Students will then submit their classifications for each of the loans, a bullet-point writeup on a classified line, and a self-evaluation. OBJECTIVES 1. Determine which loans should/should not be discussed with the loan officer. 2. Choose pertinent questions (based on 6Ps) to ask the loan officer regarding each loan to be discussed. 3. Rate loans properly based on discussion and evaluation of loan quality. 4. Evaluate communication skills. * The accuracy of your ratings decisions and communication skills will be evaluated by the instructors. Assignment • Monday, December 5: Hand out Line Deck # 1 • Tuesday, December 6: Loan Discussion Prep & Loan Discussions o Materials due: Students must turn in loan classifications, self-evaluation, and bullet-point writeup on a classified line for Line Deck #1 by end of day. • Wednesday, December 7: Hand out Line Deck #2 & Loan Discussion Prep • Thursday, December 8: Loan Discussions o Materials due: Students must turn in loan classifications, self-evaluation, and bullet-point writeup on a classified line for Line Deck #2 by end of day. PREPARATION Students will first look through all lines individually and identify the 6Ps for each line. Once students are placed into groups, the group should use the time to briefly review the lines together and determine which lines need to be discussed with the loan officers. The students will then, as a group, formulate questions for those lines which need clarification and discussion with the loan officers. Students should be prepared to discuss any of the loans in the line deck. GUIDELINES FOR LOAN OFFICER DISCUSSIONS • Each instructor will act as a loan officer, responsible for specific lines in the deck. The list of which instructors are responsible for each loan is included in the Line Deck folder. • Students will have 15 minutes with each loan officer and 10 minutes to debrief with their group for Line Deck #1. • Students will have 25 minutes with each loan officer and 10 minutes to debrief with their group for Line Deck #2. • Students should be prepared to discuss any of the loans in the decks. • Each group member must discuss at least one loan before any group member can discuss a second loan. • The group must agree on the loans to be discussed. If a group member wants to discuss a loan that the rest of the group does not want to discuss, that loan may be discussed only if time allows.