Credit Evaluation School - October 2023

Internal Use Only

LOAN WRITEUPS Rules for including a loan writeup in an examination report vary among regulators, states and agencies: • Management disagrees with examiner • Dollar amount represents a significant percentage of assets or capital • EIC discretion • Others (credit concentrations, economic impact ex: COVID)

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Internal Use Only

LOAN WRITEUPS The writeup format should cover the 6 Ps: • Person

• Purpose • Payment • Protection • Problem • Prospects

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