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Rich Moldenhauer
Flagship Bank Minnesota

 
 
Loan Pricing Sheets
Contributed by:President‚ President
Asset size: Bank with under $250m
Location: Southwest
Description: Excel format Loan Pricing Rate Sheets with 5 sections. The Pricing Sheets were developed utilizing our existing Loan Pricing Policy. The rate sheets went through our recent (November 2010) FDIC Safety & Soundness, and Fair Lending Exam with no problems.

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MORE PEER CONTRIBUTED DOCUMENTS:

29 Documents 24 Answers 43 Exam Watches 29 Vendor Reviews

Commercial Loan Pricing Risk Guidelines
Asset size: with under $250m
Description: This is an exhibit in our Funds Management Policy that guides us into consistent pricing for commercial loans.
Loan Pricing Policy
Asset size: with under $250m
Description: This is the loan pricing policy our bank has developed. It was our existing policy when our bank went through our FDIC Safety & Soundness, and Fair Lending Exam in November 2010. Prior versions have been through FDIC and State Exams. Changes from prior versions are minimal. I have uploaded the Rate Sheets that we developed to meet our pricing policy to Cbanc as well.
Online Banking Vendor Comparison
Asset size: with between $250m - $500m
Description: This spreadsheet is what we used to compare the key features and prices of two online banking vendors. The vendor names have been removed. The prices are from many years ago, so they probably aren’t relevant today, but we left the prices in there just so anyone who buys this XLS from us can understand how we set it up and used it.


RELATED QUESTIONS AND ANSWERS:
Q
Money Service Business
Asked by: VP,‚ Compliance/BSA/Legal
Asset size: Bank with
Location:NM

We have a grocery store that is wanting to transfer their banking relationship to our bank. The grocery store also is a registered MSB, that provides Western Union Services as well as check cashing services. Banking a MSB is something we are not very familiar with, I realize it will entail extra due diligence on the front end as well as a great deal of monitoring if we open the account. I was wondering how other financial institutions are establishing these types of accounts (specfic agreements, pricing, controls ect). I am very curious how these types of accounts are priced due to the monitoring that is envolved. Any advise and guideance is appreciated.
A
Answered by:SVP, ‚ Compliance/BSA/Legal
Asset size: Bank with under $250m
Location: CA

Our bank is very active in banking MSB's. Currently we have more than 200 of these accou...
Q
Consumer Loan Pricing Policy
Asked by: AVP,‚ Compliance/BSA/Legal
Asset size: Bank with
Location:TX

We utilize a consumer loan rate pricing sheet, but from time to time need to have an exception to a rate (say,to match another bank's rate). Does anyone have a Consumer Loan Pricing Policy that they would be willing to share? I'm concerned about not having one in the event of a fair lending exam.
A
Answered by:VP, ‚ Compliance/BSA/Legal
Asset size: Bank with between $500m - $1b
Location: AR

We have a few lines in the loan policy that addresses pricing exceptions. I also keep a ...


RELATED EXAM EXPERIENCES:
FDIC - Compliance | May 2013
exam experience posted by a VP‚ Compliance/BSA/Legal from member with between $250m - $500m in assets
We did not expect criticism of our underwriting standards, but they were deemed too vague.
FDIC - Compliance | December 2011
exam experience posted by a VP‚ Compliance/BSA/Legal from member with under $250m in assets
What letters did we send to our customers regarding the Opt-In/Opt-Out.
FDIC - Compliance | April 2013
exam experience posted by a CEO‚ CEO from member with under $250m in assets
The use of guarantees for loans that related to small farms and businesses that are closley held.

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Vision Software Solutions

 
 

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