Can anyone please tell me how your bank monitors unused loan commitment balances, expiring, expired, and overdrawn loan commitments from an individual in management, to a group of managers, committees, and even to the Board.

Thank you.

Usually monthly reports are generated, depending on the original loan commitment, these reports will be distributed to the appropriate level of management and/or the board.

Loan Committee reviews at every meeting. Heads to up to other committee and/or board monthly.

I can understand monitoring expired, expiring and/or overdrawn but for what resaon dones one monitor the unused - other than correctly rolling up into call report?

Unused commitments are contingent liabilities the FI is expected to fund (although they haven't been recognized on the balance sheet). If borrowers started accessing the commitments when funding is limited, then the FI could experience liquidity pressures.

Thanks. That is the extent of my monitoring - one has to know what is out there and be up to date on unfundeds and expirations and such. I just wondered if I was missing something in "monitor". I guess under Basel III "unfundeds" are going to mean more to us and require a different type of monitoring.