Loan policies vary considerably among financial institutions because each institution has its own distinct product mix and tolerance for risk. Therefore, an effective loan policy must be tailored for the specific institution. That's why an institution can't just copy the loan policy manual from the financial institution down the street. And, loan policies must be reviewed and revised on a periodic basis as the institution's circumstances change. This webcast seminar will help an institution create effective loan policies with special emphasis on the FDIC Manual of Examination Policies, the Interagency Guidelines for Real Estate Lending Policies, and the Interagency Guidelines Establishing Standards for Safety and Soundness.

• Lending authority of loan officers and committees
• Responsibility of the board of directors
• Guidelines for portfolio mix and risk diversification
• Limitations on loan-to-value, aggregate loans, and overdrafts
• Credit and collateral documentation standards
• Guidelines addressing loan review and loan grading systems
• Adequate allowance for loan and lease losses
• Categories of substandard, doubtful, loss and special mention
• Charge-off guidelines and collection procedures
• Handling exceptions to policies

Unlimited playback & materials. If you were unable to attend the regularly scheduled event, but are interested in the topic, you can purchase the recorded version. You will receive a web address for online viewing and an audio CD and handouts for offline viewing.