Credit Evaluation School Instructor eBook - Oct 2023

Internal Use Only

Individual Loan Reviewer • Obtains the ETS Distribution package from the Asset Manager (or EIC).

• Gains familiarity with loan products, policies and procedures.

• Reviews assigned files. • Examine loan and credit files for necessary documents • Completes 6 P and Financial Analysis

• Completes a writeup on sizable downgrades or when management does not agree • Discusses lines with loan officer and/or management designee as needed.

• Communicates findings with Asset Manager.

This is just an overview and will be discussed in greater depth tomorrow morning. • Files may be assigned or they may just be in order of the lead sheet. • As files are worked, questions should be directed to the servicing officer or in some cases, the chief credit officer or designee. • Any findings should be communicated to the Asset Manager (or EIC if applicable). This may be as simple as including within ETS or may require a discussion with the AM/EIC. • As you go thru your training, your mentors should provide additional guidance and review.

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