Community Bank Loan Management
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Product description
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Lending is one of your bank’s most important functions, but it’s one with significant potential for complications and risk. With different people managing different areas in different ways, oversight becomes an issue. It’s easy to lose control and end up with problems where there shouldn’t be any. Problem loans must be managed effectively and efficiently while minimizing charge-offs.
What you need is a comprehensive, internally consistent loan management system, and Community Bank Loan Management is exactly that. This two-volume set is an encyclopedia of lending, designed to be a central loan library, conspicuously displayed and available to everyone involved in lending. It covers lending from A to Z — from the allowance for loan losses to workouts. It’s all there: consumer, real estate, and commercial lending; lending with financial statements and lending when the financial statements are meaningless; loan documentation procedures; loan grading systems — you name it — the comprehensive Community Bank Loan Management system has it.
• An entire section dealing with how to manage, control, and collect the bank’s problem loans.
• Clearly written and easy-to-use chapters that explain exactly how the various loan departments of your bank should function.
• Step-by-step approach shows you how to improve loan documentation procedures, keep track of exceptions, put together loan approval packages, etc.
• Detailed, practical loan grading system.
• Help in avoiding compliance mistakes.
• Lots of examples, samples of documents, and key explanations make even the most complex topics understandable.
Subscribers will receive a downloadable file containing editable forms
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Table of contents
VOLUME I
LOAN ADMINISTRATION AND COMPLIANCE
Model Loan Policies
Chapter 1: Model Commercial and Industrial Lending Policies
Chapter 2: Credit Underwriting
Loan Organization
Chapter 3: Recommended Organization for Lending
Chapter 4: Small-Business/Consumer Lending; A Different Approach
Loan Review
Chapter 5: Loan Review Policies and Procedures
Loan Administration
Chapter 6: Loan Administration
Chapter 7: Loan Administration Department
Chapter 8: Stress Testing
Chapter 9: Risk Management for Loan Officers
Chapter 10: Loan Officers and Bank Examinations
Problem Loan Management
Chapter 11: Problem Loan Management
Chapter 11A: Deeds in Lieu of Foreclosure
Chapter 11B: Collecting Problem Commercial Loans
Chapter 11C: Collecting Problem Real Estate Loans
Chapter 11D: Collecting Problem Consumer Loans
Chapter 12: Allowance for Loan and Lease Losses
Chapter 13: OREO Management
Loan Compliance Procedures
Chapter 14: Loan Administration Compliance
Chapter 15: Dodd-Frank Act Impacts and Requirements
Chapter 16: Real Estate Lending Compliance
Chapter 17: Commercial and Consumer Lending Compliance
VOLUME II
COMMERCIAL AND CONSUMER LENDING
Commercial Lending Underwriting
Chapter 18: Commercial and Industrial Lending
Chapter 18A: Banking Small Business
Chapter 19: Making Specific Types of Commercial Loans
Chapter 19A: Agricultural Lending
Chapter 19B: Lending to Municipals
Letters of Credit
Chapter 20: Letters of Credit
Loan Agreements
Chapter 21: Loan Agreements
Loan Documentation Procedures
Chapter 22: Loan Documentation Fundamentals
Chapter 23: Secured Lending Under UCC-9
Chapter 24: Documenting Specific Types of Loans
Chapter 25: Construction Commitment Letters and Loan Agreements
Consumer Lending
Chapter 26: Consumer Lending
Chapter 27: Making Specific Types of Consumer Loans
Real Estate Lending Policies
Chapter 28: Model Real Estate Lending Policies
Home Mortgage Lending
Chapter 29: Home Mortgage Lending
Chapter 30: Model Home Mortgage Lending Policies
Chapter 31: One- to Four-Family Loan Documentation Charts
Commercial Real Estate Lending
Chapter 32: Managing the Bank’s Problem CRE Loans
Chapter 33: Commercial Real Estate Lending
Chapter 34: Construction Lending
Chapter 35: Real Estate Construction Loan Management Procedures
Chapter 36: Real Estate Loan Documentation and Closing
Miscellaneous
Chapter 37: E-Banking
Chapter 38: Environmental Risk Management
Chapter 39: Minimizing Bankruptcy Losses
Chapter 40: Lender Liability