Credit Evaluation School Dec 2022

LOAN RATINGS Immediately following your group’s completion of all rounds of discussion with the loan officers, you as an individual should complete the Loan Classifications links below. Assign a rating (Pass, Special Mention, Substandard, Doubtful, or Loss) to each line in the deck. Justify/support each decision made using 2-3 bullet points. Remember, these are individual rating decisions. Each group may also hear different explanations/comments regarding the lines discussed, so discussion with other groups should be avoided when making a final rating decision.

• Line Deck # 1 Loan Classifications • Line Deck # 2 Loan Classifications BULLET POINT WRITEUP FOR A CRITICIZED LINE

Each student should choose one loan in each Line Deck to complete a bullet point writeup on using the Loan Write-Up Bullet Points link. Remember that only classified lines (Substandard, Doubtful, Loss) are to be written up (examiners do not write up Pass lines). LOAN DISCUSSION SELF-EVALUATION Each student should complete the Loan Discussion Self-Evaluation link.