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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
- Debt, GOOD CASH FLOW, individual loan officers, directors loan committee, Management Level- Chief Credit Officer