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Lending policies and procedures - Coggle Diagram
Lending policies and procedures
Typical loan agreement
Agricultural Loans
Commercial and Industrial Loans
Financial Institutions Loans
Loans to Individuals
Real Estate Loans
Miscellaneous Loans
Lease Financing Receivables
Factors Determining the Growth
Experience and Expertise of Management
Lender Size
Institution's Loan Policy
Loan Participations
Expected Yield
Characteristics of the Market Area
Functional Cost Analysis
Steps in the Lending Process
Making Site Visits and Evaluating a Prospective Customer’s Credit Record
Evaluating a Prospective Customer’s Financial Condition
Assessing Possible Loan Collateral and Signing the Loan Agreement
Monitoring Compliance with the Loan Agreement and Other CustomerService Needs
Evaluating a Prospective Customer’s Character and Sincerity of Purpose
Finding Prospective Loan Customers
Regulation of lending
Establishing A Written Loan Policy
Relevant regulations
Equal Credit Opportunity Act
Truth-in-Lending Act
The Community Reinvestment Act
International Lending Rules
Limitation on Real Estate Lending
Examiner Loan Ratings
The Lending Limit
CAMELS Rating
Loan review
Evaluating the borrower's financial condition
The Completeness of loan documentation
The equality and condition of any collateral
Evaluating the loon conforms to the lender’s policies
The record of borrower payments
Loan workouts
Specialists should confer with the troubled customer on possible options
Consider all reasonable alternative
Rapid detection and reporting any problem with loan
Esfinate what resources are available to collect the trouble loan
Keep the goal of loan