Loan Review Best Practices for a Community Bank


Presented by: Bob Fritzlan

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We will discuss "back to basics" concepts to making loans, customer service offered by you and desired by your customer, and how to make new loans which are the lifeblood of community banking.

Along the way we will address the need to call a loan what it is and not what you want it to be. If the loan is great, then call it great. If the loan is not great, then do not call it a great loan. "Telling it like it is" avoids setting up false expectations, and helps prevent unwelcome surprises. Bankers still need to identify why a loan was made, and why it was made affects the source of repayment. Bankers still need to identify the value of the collateral. And they need to be realistic about the financial support that guarantors offer. Bankers also need to know when a global cash flow is needed to support a loan and when it is not.
  • What are the best practices for loan review in a community bank?
  • Does your bank make new loans?
  • What kind of posture have you taken in your community?
  • What distinguishes your bank from the next bank?
  • Do you really understand why the customer wants the loan?
  • Do you really understand how the customer plans to repay the loan?
  • Do you really understand the value of the collateral pledged to the loan and the value this collateral has to the bank?
The seminar is designed to assist you in answering these questions. Knowing how to make good loans on the front-end makes the review of these loans much easier. Also, knowing a plan for the loan provides benchmarks for the loan reviewer to follow as this credit matures in the bank.

Who Should Attend:
Members of the bank that are involved in lending activities and/or loan review. In addition, this presentation is a good refresher for experienced lenders and members of the Board of Directors. Based on its "back to basics" concepts, the webinar provides good background training for future lenders, credit analysts and loan reviewers.

About the Speaker: Robert (Bob) Fritzlan is the Executive Advisor of Financial Institution Advisory Group, Inc. (FIAG) This firm conducts contract loan review for the Comptroller of the Currency and consults with banks and thrifts in the area of loan review and problem loan identification, loan workout strategies, along with loan officer and Board of Director training focusing on areas of risk identification, loan structure, loan review, loan workout strategies and compliance with regulator administrative actions. He teaches in a "back to basics" format. Such as presentations made to specialized lending groups, like SBA lenders.

He and FIAG have been involved in credit examinations of over twenty-five community National banks and thrifts in the last two and one-half years. The sizes of these institutions ranged from $25M to $11B with composite ratings of two to five. These institutions have been located in fourteen states.

This program was recorded in its entirety in December 2014. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_loanreview1214
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Wednesday 15 October, 2014.

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