Credit Evaluation School - October 2023

Internal Use Only

Loan Rating Decisions • Immediately following your group’s completion of all three rounds of discussion, each student will complete the Loan Classification Recap • Assign a rating to each line in the deck (Pass, Special Mention, Substandard, Doubtful, or Loss) • Support each rating decision with 2-3 bullet points

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Internal Use Only

• The loan rating decisions are made individually • Each group may hear different explanations/ comments regarding the lines discussed • Discussion with other groups should be avoided when making a final rating decision

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