General Loan Policy

Table of Contents

Purpose and Contents – Topic 1
Policy Statement – Topic 2
Lending Authority and Responsibility – Topic 3
Secondary Review and Credit Denial – Topic 4
Lending Limits – Topic 5
Portfolio Management, Diversifications and Concentrations – Topic 6
General Credit Underwriting Guidelines – Topic 7
Loan Participations and Purchases – Topic 8
Loans to Executive Officers and Directors – Topic 9
Loans to Employees – Topic 10
Appraisal Policy Reference – Topic 11
Environmental Risk Policy Reference – Topic 12
Depository Relationships – Topic 13
Overdraft Policy Reference – Topic 14
Documentation and Responsibilities – Topic 15
Execution of Loan Documents – Topic 16
Loan File Requirements – Topic 17
Loan File Administration – Topic 18
Loan Loss Reserve Policy Reference – Topic 19
Loan Grading Policy Reference – Topic 20
Loan Review Policy Reference – Topic 21
Non-Accrual and Charged-Off Loan Policy Reference – Topic 22
Other Real Estate Owned Policy Reference – Topic 23
Audit Policy - Topic 24
Staff Training – Topic 25
Retention of Documentation – Topic 26

Recent updates to this product:
09/01/22 Update
11/17/21 Update

This policy template (approximately 63 pages) is in Microsoft® Word.

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