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Community Bank Loan Management

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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

Authors / Contributors

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