Credit Evaluation School - October 2023

Internal Use Only

Loan Classifications – Discussion STUDENT INSTRUCTIONS

LOAN RATING DECISIONS Immediately following your group’s completion of all four rounds of discussion, you as an individual should complete the Loan Classifications link. 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. BULLET POINT WRITEUP FOR A CLASSIFIED LINE Each student should choose one loan to complete a bullet point writeup 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.