Credit review: how midsized banks should organize for loan review

Medium sized banks often are pressured to make every loan that they can. As a result, banks that do not have an autonomous loan review function can be at risk. Before establishing a reporting system, a bank must determine: 1) what the loan review function should accomplish; 2) what the scope of the...

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Bibliographic Details
Published in:Commercial lending review 1993-09, Vol.8 (4), p.77
Main Author: McWhorter, R P
Format: Article
Language:English
Subjects:
Credit departments
How-to
Loan review
Midsize Banks
Organizational structure
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Summary:Medium sized banks often are pressured to make every loan that they can. As a result, banks that do not have an autonomous loan review function can be at risk. Before establishing a reporting system, a bank must determine: 1) what the loan review function should accomplish; 2) what the scope of the loan review should be; 3) what level of expertise can be hired; and 4) who can manage the function and keep it independent. The loan review function should be adjusted as the bank grows, as risk changes, and as regulations change.
ISSN:0886-8204