Credit Evaluation School - October 2023

Reference Guide for Credit Documents

Loan Document Checklist • An audit trail to ensure all documents are in file

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Reference Guide for Credit Documents

Loan Presentation • Generally used on larger credits • Used to present loan information to a third party for approval • Should include the following: – Borrower information – Loan request – Total commitment – Collateral – Source of repayment – Guarantors

– Related entities – Policy exceptions – Relationship summary – Financial covenants – Documentation requirements – Purpose – Business description/industry risk – Management/ownership /management succession – Financial analysis – Detailed aggregate loans and deposits – Strengths and weaknesses

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