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Rich Moldenhauer
Flagship Bank Minnesota

 
 
Commercial Credit Memo/Loan Approval
Contributed by:Compliance/BSA/Legal
Asset size: Bank with under $250m
Location: Southeast
Description: This is a commercial Credit Memorandum/Loan Approval Form that we created to facilitate continuity in our loan files. It calculates DSC and DTI according to the values you enter. An Additional page is also here to allow for additional guarantors and the subsequent calculating of their DTI/DSC as needed. This is the general format we have been using for years and has been through many loan reviews without any problems.

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MORE PEER CONTRIBUTED DOCUMENTS:

34 Documents 32 Answers 28 Exam Watches 76 Vendor Reviews

Commercial Loan Credit Memo
Asset size: with between $250m - $500m
Description: This is a template for a credit memo to be used for Commercial Loans
Credit Memo - Commercial Loans
Asset size: with between $250m - $500m
Description: This is a template for a credit memo used for commercial loans. It can also be used for a loan review.
Credit Memo
Asset size: with between $250m - $500m
Description: Credit Memo template for CRE and C&I presentations to Loan Committee or Board. Developed by 5 year old start up now at $200 plus million in Assets.


RELATED QUESTIONS AND ANSWERS:
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...
Q
Commercial Loan Analysis/workflow and CRM programs
Asked by: VP,‚ Lending/Credit/Loan Admin
Asset size: Bank with
Location:KS

We are reviewing our current software we use to analyze commercial loans, prepare financial spreads, create a Credit Memo, approval workflow, and track customer calls. Our current software is not a CRM program and doesn't exactly interface with our Core, LaserPro and AccuSystems. I would appreciate any advice or recommendations for a good CRM software or would like to know what other Commercial Banks are using for CRM and Commercial Loan analysis/Approval workflow.
A
Answered by:SVP, ‚ Lending/Credit/Loan Admin
Asset size: Bank with under $250m
Location: TX

We have just begun using Credit Quest from Harland Financial Services. It interfaces wit...


RELATED EXAM EXPERIENCES:
FDIC - S&S | May 2013
exam experience posted by a President‚ President from member with under $250m in assets
When they asked about our "Concentration in Municipal bonds".
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

RELATED VENDOR REVIEWS:
Loan credit reports
Experian
iBankRegistry
Lyons Commercial Data
Invoice Approval
BankTEL Systems
Xpertonline
Credit Information Systems (f.k.a. Factual Data)
Commercial lease Fredericksberg
Penick, Mary

 
 

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