(ON DEMAND) Loan Review: Consumer, Commercial & Real Estate

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A financial institution’s loan review program is an essential key to a strong lending program. Loan review is a mainstay of internal control over the loan portfolio. Periodic, objective reviews of credit risk levels and risk management processes are essential to effective portfolio management. These reviews also reveal whether the lending department is complying with applicable laws and regulations. Whether the loan review program is conducted in-house or by an independent third party, the purpose is the same. An effective loan review program should provide an independent assessment of the overall level and direction of credit risk within the institution’s portfolio.

This session will cover the regulatory requirements and best practices, and provide many tools, including sample policy, to help improve your loan review process. It will also include three loan case studies – consumer, real estate, and commercial.

HIGHLIGHTS
Loan review purpose and objectives
A “loan review plan” including how to pull a sample and a loan review request memo
Three loan case studies – consumer, real estate, and commercial
Sample report outline – what examiners are looking for
Reporting process to the board and senior management

TAKE-AWAY TOOLKIT
Sample loan review policy
Loan review line sheet in Excel
Sample loan review report outline
Employee training log
Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND? Loan review officers, senior lending officers, and Chief Credit Officers.

ABOUT THE PRESENTER – Ann Brode-Harner, Brode Consulting Services, Inc., began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management. Ann is a well-respected presenter and has spoken to audiences across the country for over 25 years. She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools. Ann is the author of “The Bank Deposit Documentation Manual for Front-Line Personnel” published by Bankers Publishing Company, and is well represented in numerous industry publications.