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Flagship Bank Minnesota

 
 
Commercial Loan Credit Memo
Contributed by:CEO‚ CEO
Asset size: Bank with between $250m - $500m
Location: Midwest
Description: This is a template for a credit memo to be used for Commercial Loans

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MORE PEER CONTRIBUTED DOCUMENTS:

39 Documents 51 Answers 43 Exam Watches 75 Vendor Reviews

Commercial Loan Pricing Matrix
Asset size: with under $250m
Description: 2 worksheets for floating and fixed commercial loans
Commercial Loan Grade Scale
Asset size: with between $250m - $500m
Description: Commercial loan grades with definitions (scale from 1-9)
Requiring Financial Statements
Asset size: with under $250m
Description: Commercial loan covenant requiring current financial information and remedy if not received.


RELATED QUESTIONS AND ANSWERS:
Q
Appraisal Required?
Asked by: SVP,‚ Compliance/BSA/Legal
Asset size: Bank with
Location:NM

If we are making a commercial loan for $850,000 secured by 7 residential rental properties, scattered throughout the city, and all of the 7 properties have individual values of less than $250,000, are any appraisals required or do the properties fall beneath the appraisal threshold? The source of repayment is dependent upon the rental income, however again each individual property value is beneath the appraisal threshold.
A
Answered by:CLO, ‚ Lending/Credit/Loan Admin
Asset size: Bank with between $250m - $500m
Location: IN

Page 43 Appendix A of the Interagency Appraisal and Evaluation Guidelines states "...a tr...
Q
SAMPLE OF COMMERCIAL CREDIT PRESENTATION NEEDED
Asked by: AVP,‚ Lending/Credit/Loan Admin
Asset size: Bank with
Location:WI

We are looking for samples of Commercial Credit Memos/Presentations. These are the write-ups that are typically presented to the Board and or Loan Committee for commercial loans.
A
Answered by:VP, ‚ Lending/Credit/Loan Admin
Asset size: Bank with under $250m
Location: WI

I have worked several banks in the Chicagoland area. Most banks use a variation of the a...


RELATED EXAM EXPERIENCES:
OCC - Compliance | November 2013
exam experience posted by a EVP‚ Finance/Investments from member with under $250m in assets
Securities pre-purchase rate shock and analysis
OCC - S&S | February 2013
exam experience posted by a EVP‚ Compliance/BSA/Legal from member with under $250m in assets
HELOC portfolio management, enterprise risk, IT speration of duties requirements
State Regulatory - S&S | May 2011
exam experience posted by a VP‚ Finance/Investments from member with under $250m in assets
Really nothing was unexpected.

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Craig Marshall

 
 

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