Credit Evaluation School - October 2023

Internal Use Only

Reviewing and Classifying Loans

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Internal Use Only

INDIVIDUAL LOAN FILE REVIEW As we work through the files and identify the 6 P’s of credit, we are looking for:

• Problem credits (may not yet be identified) • Past due loans (is management manipulating) •Credit documentation exceptions • Violations of laws/regulations/policies •Concentrations of credit • Evidence of self-dealing loan transactions

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