Community Bank Management

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Community Bank Management is a community bank encyclopedia that gives senior management everything needed to oversee all bank operations. It was been designed to be the key feature in a community bank library, and from this position to be readily used to obtain answers to the hundreds of questions that arise daily in a community bank. Each volume covers a specific functional area in a clear, easy-to-understand style. All the information and sample materials are practical and have already been proven to work in other community banks.

This publication contains model policies and procedures you can easily adapt to your bank’s needs, and some individual chapters are written to be mini-manuals that stand alone.

Functional areas covered in this manual are:

•  Administration and Board Management. This volume contains valuable information regarding management and administration policies for banks and for boards of directors. Building a strong foundation and setting up sound operations is vital to your bank’s success. Specific topics addressed include the bank’s organization, operating cost controls, board of directors’ management, and human resources management. Various models are included, such as Model Bank Policy Statements, a Model HR Policy Manual, and a Model Strategic Plan.
•  Investments and Loan Portfolio Management. Having quality loan and investment portfolios starts with proper planning and procedures. This volume addresses the earning assets management side of the bank, including commercial, real estate, and consumer lending, as well as guidance on problem loan management. This volume also provides information on investment strategies and investment administration and accounting, and it contains a Model Investment Portfolio Policy Statement.
•  Risk Management and Compliance. Understanding risk management and loss prevention, as well as compliance requirements, is imperative. This volume provides information and the tools you need to protect your bank: There is a Model Risk Management System and a Model Bank security Program as well as chapters on the bank’s insurance program and fraud prevention measures. There is also guidance concerning executive and administrative compliance, commercial and consumer lending compliance, real estate lending compliance, bank operations compliance, and HR compliance.

Subscribers will receive a downloadable file containing editable forms

Authors / Contributors

Table of Contents

VOLUME I

ADMINISTRATION AND BOARD MANAGEMENT



Model Bank Policy Statements

Chapter 1: Model Bank Policy Statements

Chapter 2: A Model Code of Ethics

Chapter 3: Getting the Bank Organized Correctly

Chapter 4: Administration Management

Board of Directors’ Management

Chapter 5: The Board’s Responsibilities

Chapter 6: Board Committee Responsibilities

Chapter 7: Board Meetings
Marketing

Chapter 8: How Marketing Should Be Managed

Chapter 9: Marketing, Advertising, and Promotion

Human Resources Management

Chapter 10: Applicant Selection Process

Chapter 11: Practical HR Guidance

Chapter 12: Problem Employee Management

Chapter 13: Employee Appraisals

Chapter 14: A Model Customer Relations Handbook: Basic Rules for All Bank Employees

Chapter 15: Model HR Policy Manual

Chapter 16: Important HR Definitions

Chapter 17: Model HR Management Forms

Chapter 18: Training and Development

Chapter 19: Performance Management

Chapter 20: Delegation and Empowerment

Chapter 21: Managing the Bank’s Corporate Culture

Chapter 22: Salary Administration

Chapter 23: Quality Customer Service

Bank Administration Topics

Chapter 24: Controlling Non-Interest Expenses

Chapter 25: E-Banking

Chapter 26: Technology Planning

Chapter 27: Bank Examinations

Chapter 28: Capital Management and Capital Planning

Chapter 29: Records Management

Chapter 30: Managing Internal and External Audits

Planning and Budgeting

Chapter 31: Budgeting Procedures

Chapter 32: Preparatory Strategic Planning Activities

Chapter 33: Financial Planning

Chapter 34: Model Strategic Plan

Chapter 35: Strategic Planning Discussion Papers

VOLUME II
INVESTMENTS AND LOAN PORTFOLIO MANAGEMENT


Commercial Lending

Chapter 36: Model Commercial and Industrial Lending Policies

Chapter 37: Credit Underwriting

Chapter 38: Commercial and Industrial Lending

Chapter 38A: Small-Business Lending

Chapter 39: Loan Administration

Chapter 39A: Allowance for Loan and Lease Losses

Chapter 40: Making Specific Types of Commercial Loans

Chapter 41: Lending to Municipals

Chapter 42: Small-Business/Consumer Lending; A Different Approach

Chapter 43: Risk Management for Loan Officers

Chapter 44: Loan Documentation Fundamentals

Chapter 45: Secured Lending Under UCC-9

Chapter 46: Documenting Specific Types of Loans

Chapter 47: Construction Commitment Letters and Loan Agreements

Chapter 48: Managing the Bank’s Problem CRE Loans

Chapter 49: Problem Loan Management

Real Estate Lending

Chapter 50: Model Real Estate Lending Policies

Chapter 51: One- to Four-Family Loan Documentation Charts

Chapter 52: Construction Lending

Chapter 53: Problem Real Estate Loan Management

Consumer Lending

Chapter 54: Consumer Loan Underwriting

Chapter 55: How to Make Specific Types of Consumer Loans

Chapter 56: Home Mortgage Lending

Chapter 56A: Model Home Mortgage Lending Policies

Chapter 57: Collecting Problem Consumer Loans

Managing the Bank’s Investment Portfolio

Chapter 58: Investment Portfolio Management and Strategies

Chapter 59: Model Investment Portfolio Policy Statement

Chapter 60: Investment Mechanics, Accounting, and Taxes

Chapter 61: Yields, Interest Rates, and Investments Mathematics

Chapter 62: Investment Portfolio Regulatory Requirements

Chapter 63: Investment Alternatives


VOLUME III

RISK MANAGEMENT AND COMPLIANCE



Model Risk Management System

Chapter 64: Risk Management System

Chapter 65: Stress Testing

Loss Prevention Techniques

Chapter 66: Interest Rate Risk Management

Chapter 67: The Bank’s Insurance Program

Chapter 68: Fraud and Kiting Prevention

Chapter 69: ACH Risk Management

Chapter 70: A Model Bank Security Program

Chapter 71: Minimizing Bankruptcy Losses

Chapter 72: Lender Liability

Chapter 73: Environmental Risk Management

Executive and Administrative Compliance

Chapter 74: General Compliance Requirements
Commercial and Consumer Lending Compliance

Chapter 75: Commercial and Consumer Lending Compliance

Real Estate Lending Compliance

Chapter 76: Real Estate Lending Compliance

Bank Operations Compliance

Chapter 77: Bank Operations Compliance

Human Resources Management Compliance

Chapter 78: Human Resources Compliance

Dodd-Frank Act Impacts and Requirements

Chapter 79: Dodd-Frank Act Impacts and Requirements