Latest Lending - Management Topics

Qualifications for Loan Committee

04/30/2023

Does a person have to be an employee or director of a national bank to be a member of that bank's Loan Committee?

Is loan approval authority by loan or aggregate debt

02/05/2023

When making a new CD secured loan of $50,000, our aggregate exposure with the borrower will be $1,500,000. The bank's board has delegated lending authority to the underwriter of $650,000. Does the underwriter have the authority to approve this loan secured by the CD or does it have to be approved by the Loan Committee due to the aggregate debt?

Safety and Soundness Topics in Comptroller’s Handbook

01/24/2021

Which safety and soundness topics are covered in the Comptroller’s Handbook?

Loan Portfolio Metrics

06/28/2020

What are loan portfolio metrics?

How accounting solves business problems

12/03/2017

How does financial analysis factor into a company’s product launch decision?

Accounting is cool and versatile?!

11/26/2017

Accounting is cooler - and more versatile - than you think.

Networking

11/26/2017

How do I build my professional network?

Task management software

08/06/2017

What's the best way to track lending tasks?

Do Electronic Exception Management Systems Reduce Errors?

04/21/2014

Do exception tracking systems reduce errors in exception management?

Do Most Banks Use Electronic Exception Management Systems?

04/21/2014

Do most banks use electronic exception tracking systems?

Should fraudulent applications go on HMDA LAR?

04/20/2025

Are applications submitted with fraudulent information HMDA reportable if they reached an application status due to fraud? We have received a fraud trigger but it also reached application status for HMDA reporting.

Adding a prepayment fee

04/20/2025

We have a single-closing construction-permanent mortgage product (12-month construction, 29-year permanent mortgage). Would we be able to charge the borrower a 1% fee if they pay off the loan before it converts to the permanent mortgage, or would that be a violation? We know we cannot add the fee to loans that have already closed. This would be a change affecting future applicants for this product.

Latest Lending - Management Topics

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