Loan Grading and Review Policy

Purpose and Contents - Topic 1

Policy Statement - Topic 2

Loan Grading Policy Statement
Loan Review Policy Statement
Enforcement
Exceptions to Policy

Credit Administration and Committee Responsibilities - Topic 3

Credit Administration
Directors' Loan Committee
Special Assets Committee

Loan Grading System - Topic 4

General
Loan Risk Grade Categories
Upgrade Procedures
Downgrade Procedures
Split Grade Procedures

Automated Credit Scoring System - Topic 5

General
Credit Scoring Guidelines and Methodology
Exceptions to Underwriting Decisions and Override Authority
Model Documentation
Model Management and Tracking
Program Reporting

Loan Officer Responsibilities - Topic 6

General
Supporting Information
Guarantees and Third-Party Support
Collateral
Terms and Documentation
Other Considerations
Credit File Availability

Loan Review System - Topic 7

General
Objective
Secondary Review and Credit Denial
Quality Control and Assurance
Loan Review Scope
Other Factors and Conditions
Qualifications of Loan Review Personnel Standards
Independence of Loan Review Standards
Frequency of Review Standards
Review of Findings and Follow Up Standards
Internal Loan Review
Credit Review Examination Report Requirements

Includes the following form template:
Loan Grade Change Request (1 page)

This policy template (approximately 32 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $175.00.

Standard Volume Discounts

Individual and volume pricing plans are available to fit every budget. You can buy one policy at a time, or mix and match multiple policies. Simply put - the more you buy, the greater discount you will receive:

10% Discount when you buy 5 of our Templates at the regular price!
25% Discount when you buy 15 of our Templates at the regular price!
50% Discount when you buy 25+ of our Templates at the regular price!

*Discounts will not be reflected on your invoice, but will be reflected on your credit card bill.

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