By: David Dalessandro, Senior Consultant In the summer of 1987, the savings and loan I was working for at the time sent me to a “cash flow” seminar in Norman,...
By: David Dalessandro, Senior Consultant In the summer of 1987, the savings and loan I was working for at the time sent me to a “cash flow” seminar in Norman,...
By: David G. Dalessandro, Senior Consultant What is the overall condition of your commercial loan portfolio? Do you focus on net charge-offs? Delinquencies? Financial statement exceptions to policy? Number and...
By: Bob Viering, Senior Consultant In our loan review practice, we have an opportunity to work with ag banks throughout the Midwest. In general, our findings are similar to what...
By: Tommy Troyer, Executive Vice President A look back over recent issues of the 90-Day Note, or a more general scan of industry news and regulatory comments, would reveal the...
By: Debra Werschey, Consultant and Manager of Secondary Market Services In determining whether there is a significant defect on a loan, the quality control reviewer must give due consideration to...
Loan Review Observations and Recommendations for Effective Risk Management By: Tommy Troyer, Executive Vice President Over the recent past, there have been a number of public assertions, warnings, or observations...
By: Debra L. Werschey, Consultant and Manager of Secondary Market Services Banks and other financial institutions face increased focus on quality control of the loan origination and closing process. Lenders’...
By: Tommy Troyer, Executive Vice President Those who have been following the Financial Accounting Standards Board’s (FASB) nearly decade-long effort to revamp the accounting rules impacting the recognition of impairment...
By: Tommy Troyer, Senior Consultant and Loan Review Manager Over the last several months, it has become increasingly difficult to miss the fact that the federal regulatory agencies (the FDIC,...
By: Tommy Troyer, Consultant and Loan Review Manager In “Agencies Issue New HELOC Guidance,” published in the August 2014 issue of the 90 Day Note, we presented an overview of...