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Unformatted text preview: Bank Level Equal to Regulatory limits or less Individual Loan Officers AVP, VP, SVP, EVP, directors loan committee ALLOWANCE for LOAN AND LEASE LOSSES (ALLL) Level Methodology - FAS 114, FAS 5 NON-ACCRUAL 90 days CHARGE OFFS 120 days; 365 days CREDIT GRADING loan review 1 cash secured 2 RE with good Cash Flow, DSC >1.25X 3 unsecured with good Cash Flow, financials 4 Watch 5 Special Mention 6 Substandard (less than BBB-) 7 Doubtful 8 Loss CREIDT ADMINISTRATION Loan Documentations Perfecting Liens Loan Covenants...
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- Spring '08