Loan portfolio management booklet of the comptroller’s handbook

Leveraged lending office of the comptroller of the. Concentrations of credit comptrollers handbook, december 2011 provides examples of concentrations of credits, discusses key factors, and provides examiner guidance. Washington wrap up occ issues retail lending booklet rma. On april 12, 2017, the office of the comptroller of the currency the occ issued a retail lending booklet booklet as part of the comptrollers handbook. Occ issues retail lending handbook booklet lexology. Credit card lending booklet of the comptrollers handbook. This new booklet discusses the risks associated with retail lending and. Al 973 has been replaced by the comptrollers handbook loan portfolio. Overview arif is the most fundamental form of collateralbased commercial lending. Loan portfolio management, comptrollers handbook occ. Retail lending, comptrollers handbook lexis securities mosaic. Therefore, the historical emphasis on controlling the quality of individual loan approvals and managing the performance of loans. Occ publishes new retail lending booklet consumer finance. Review and revise the banks loan policy, referring the board to the loan portfolio management booklet of the comptrollers handbook.

As such, it is one of the greatest sources of risk to a banks safety and soundness. This new booklet, part of the safety and soundness category of the comptrollers. This booklet is one of several specialized lending booklets and supplements the information in the loan portfolio management, large bank supervision, and community bank supervision booklets of the comptroller s handbook. The office of the comptroller of the currency occ issued today the mortgage banking booklet of the comptrollers handbook.

For purposes of this article, a concentration of credit is as defined in the loan portfolio management booklet of the comptrollers handbook. On april 12, 2017, the office of the comptroller of the currency issued the retail lending booklet of the comptrollers handbook. Comptroller s handbook april 1998 comptroller of the currency administrator of national banks on. On april 12, 2017 the office of the comptroller of the currency issued the retail lending booklet of the comptrollers handbook.

The 1995 booklet handbook recommended that a bank should identify environmental risks before funding a loan or offering any type of commitment to lend. Refer to 12 usc 3102b and the federal branches and agencies supervision booklet of the comptrollers handbook for more information. Assets loan portfolio management comptrollers handbookalpm comptroller of the currency administrator of national banks a comptrollers handbook loan portfolio managementi loan portfolio management table of contents. The occs booklet outlines a framework for evaluating retail credit risk management activities and discusses the risks associated with retail lending. The office of the comptroller of the currencys occ comptrollers handbook booklet, assetbased lending, provides guidance for bank examiners and bankers on assetbased lending abl activities. Comptrollers handbook management activities m earnings e liquidity l sensitivitycapital to market risk s other o asset quality a adequacy c aal agricultural lending may 2014. Occ issued the commercial real estate lending booklet of the comptrollers handbook to replace the occs commercial real estate and construction lending booklet issued in 1995. Large bank supervision bookletcomptrollers handbook for safety. Management, liquidity, and country risk management. Occ updates mortgage banking booklet in comptrollers. Commercial real estate lending, comptrollers handbook.

The office of the comptroller of the currencys occ comptrollers handbook is prepared for. The comptroller has found unsafe and unsound banking practices relating to asset quality, compliance and management at the bank. Comptrollers handbook april 1998 comptroller of the currency administrator of national banks on. Advantages of lines of credit sterling commercial credit. Loan portfolios that exhibit subprime credit characteristics are higher risk. Rescinded al 973 has been replaced by the comptrollers. Comptrollers handbook 1 bankers acceptances bankers acceptances introduction background this booklet is designed to help examiners evaluate bankers acceptance activities. Comptroller s handbook loan portfolio management lpm author. Copies of the loan portfolio management section of the comptrollers handbook are being mailed to national banks, occ examiners and subscribers to the comptrollers handbook. Comptrollers handbook ffiec it examination handbook. This booklet applies to the occs supervision of national banks and federal savings associations.

Refer to the loan portfolio management booklet of the comptrollers handbook for detailed. March 2014 paperback january 1, 2015 by office of the comptroller of the currency author see all 3 formats and editions hide other formats and editions. Assets loan portfolio management comptrollers handbooka. Loan portfolio management office of the comptroller of. The office of the comptroller of the currencys occ comptrollers handbook booklet, agricultural lending, provides guidance for bank examiners and bankers on the risks presented by agricultural. Prudent risk selection is vital to maintaining favorable loan quality. Anna desimone march 27, 2014 the office of the comptroller of the currency occ issued its assetbased lending booklet, which is new to the comptrollers handbook. Refer to 12 usc 3102b and the federal branches and agencies supervision booklet of the comptroller s handbook for more information. This booklet addresses the allowance for loan and lease losses alll, responsibilities of examiners in evaluating it, and reporting and accounting considerations that affect the alll. The booklet provides guidance to national banks and federal savings associations fsas on mortgage portfolio risk management and examination procedures. Community reinvestment examination procedures comptroller. In consideration of the above premises, it is agreed, between the bank.

Blog rmas regulatory update podcast three items rma. This booklet discusses risks associated with lending and addresses sound loan portfolio management. The booklet, one of several specialized lending booklets in the comptrollers handbook, supplements guidance contained in the loan portfolio management, large bank supervision, and community. Management, a separate booklet in the comptrollers handbook. Announcing edrs new portfolio monitoring risk analysis.

The occs assetbased lending booklet provides guidance to examiners and bankers regarding assetbased lending abl activities. Loan portfolio management 2 comptrollers handbook effective loan portfolio management begins with oversight of the risk in individual loans. On february 12, the office of the comptroller of the currency occ released the installment lending portion of the comptrollers handbook. The office of the comptroller of the currency occ issued today the retail lending booklet of the comptrollers handbook. More prominent role for environmental risk management in. Occ issues retail lending booklet cla cliftonlarsonallen. One of a series of specialized lending booklets of the comptrollers handbook, leveraged lending supplements the general guidance in the loan portfolio management and commercial lending. This booklet only addresses closedend consumer credit. Overview lending is the principal business activity for most commercial banks. The sophistication of a banks liquidity management process. Loan portfolio management 1 comptrollers handbook loan portfolio. Price and liquidity risks may also be applicable to the extent the bank syndicates or sells abl loan s. Occs loan portfolio management booklet of the comptrollers handbook states that the principal approach to control loan quality is a solid loan approval process.

Comptrollers handbook 19 large bank supervision evaluate managements and the. Portfolio management, and rating credit risk booklets of the comptrollers. The only truly allinclusive federal banking compliance advisory service staffed with attorneys, former auditors and compliance specialists. Act examination procedures booklet of the comptrollers handbook and occ bulletins 200617 and 200035. Comptrollers handbook 1 student lending introduction background the office of the comptroller of the currencys occ comptrollers handbook booklet, student lending, is prepared for use by occ. Because subprime lending may affect a banks allowance for loan and lease losses and its funding strategies, a basic discussion of those topics is included, as well. Prudent risk selection is vital to maintaining favorable loan. But as the occ instructs examiners in its comptrollers handbook, loan portfolio management is the process by which these inherent risks are managed and controlled. The loan portfolio is typically the largest asset and the predominate source of revenue. Strategies for managing country risk will be discussed in country risk. For information applicable to federal savings associations, refer to former office of thrift supervision examination handbook section 201, overview. Depositrelated consumer credit, comptrollers handbook.

Occ issues retail lending handbook booklet payment law. Covers using the securities markets to fund portions of a loan portfolio, to allocate capital more efficiently and better manage risks commercial loans section 206 march 1998 covers the shared. This booklet addresses the fundamentals of securities custody and related services, and provides guidance for examining those activities in national banks. Occ updated the bank supervision process, community bank supervision, federal branches and agencies supervision, and large bank supervision booklets of the comptrollers handbook. The handbook expands the abl fundamentals addressed in the accounts receivable and inventory financing booklet of the comptrollers handbook issued in march 2000, and it replaces the abl. The comptrollers handbook is designed to guide examiners in performing consistent, highquality, professional bank supervision across the spectrum of occsupervised banks. The retail lending booklet of the comptrollers handbook is part of the safety and soundness category of the comptrollers handbook and discusses the risks associated with retail. Interim examiner guidance may be found in the appendix. Board reports, and the internal controls booklet of the comptrollers handbook.