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Commercial Loan Underwriting That Satisfies NCUA
Manage episode 441996223 series 3303439
Konten disediakan oleh Mark Treichel and Mark Treichel's Credit Union Exam Solutions. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Mark Treichel and Mark Treichel's Credit Union Exam Solutions atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.
Guest: Vin Vieten, former NCUA Senior Credit Specialist
Key Topics:
- Financial analysis for commercial lending
- Credit proposal best practices
- Global cash flow analysis
Key Takeaways:
1. Financial Analysis:
- Should be well-organized, consistent, and comprehensive
- Analyze 3+ years of financial performance to establish trends
- Examine income statement, balance sheet, and cash flow
- Provide value to borrowers through expert financial review
2. Credit Proposals:
- Use a standard, logical format
- Include key information like ownership structure, industry analysis, repayment ability
- List all direct and related debt to show total relationship exposure
- Assign and justify an appropriate risk rating
- Highlight exceptions to policy on the cover page
3. Global Cash Flow:
- Analyzes borrower, guarantor, and related entities to understand overall risk
- Depth of analysis depends on transaction complexity and risk level
- Should drive understanding of risk, not just regulatory compliance
- Default expectation is to obtain guarantees; exceptions must be well-documented
Resources Mentioned:
- NCUA Examiner's Guide on financial analysis and credit approval documents
- Preamble to the proposed MBL rule from July 2015
Contact:
https://www.linkedin.com/in/mark-treichel/
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