06/01/2009
We have an insider whose commercial loan with our bank has recently been classified by the examiners and placed on non-accrual for non-performance/inadequate collateral. Does this warrant a SAR filing?
04/27/2009
Should flood determinations be done for each property on a commercial loan where a blanket lien against a pool of residential properties will be taken as secondary collateral?
01/26/2009
What is the unsecured legal lending limit for nationally chartered banks?
12/08/2008
Among credit risk, market risk and operational risk, developing a good operational risk management program seems to be the most challenging. Can't our existing compliance processes (e.g., AML, Red Flags, GLBA, etc.) contribute to operational risk management?
12/08/2008
What types of documents are required to be kept in fire-proof filing cabinets in banks?
12/01/2008
How is the fair value of collateral dependent loans calculated under FAS 114?
11/24/2008
Our regulators have requested that our bank more clearly define and document its credit policies. What should be included?
11/24/2008
How should a bank go about setting up a monitoring program for concentrations of credit? What information are should we look for, what types of concentrations should we monitor?
11/03/2008
What is the best way to estimate risk? Do we take controls into consideration?
02/11/2008
Loan A to John Doe is secured by a UCC filing for inventory and accounts. Loan B made to John Doe a year later is cross collateralized with the same collateral. Loan A has the original security agreement and Loan B does not get a new security agreement. We reference the original security agreement from Loan A in the Promissory Note of Loan B. Is this correct or should we prepare a new security agreement with Loan B even though the UCC was filed a year prior to Loan B being made? If Loan A pays off and we move the security agreement over to Loan B are we perfected?