Credit Evaluation School, Sacramento, CA

Loan Selection • Condition of the bank – Previous Examination Reports – Uniform Bank Performance Report – Correspondence • Risk Focus – Commercial loans

– Real Estate – Consumer

LOAN SELECTION • Coverage – Loan volume or particular area of the loan trial – History can dictate how much to review – Confidence in management also lends to coverage • Resources – Number of employees assigned to examination – Length of time allowed on site/scheduling