This preview has intentionally blurred sections. Sign up to view the full version.View Full Document
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...
View Full Document
This note was uploaded on 09/07/2011 for the course FIN 653 taught by Professor Cobus during the Spring '08 term at S.F. State.
- Spring '08