Commercial Loan Review and Audit Manual

Authors: Marta Stern, Jonathan Hanier
Format: 3-Ring Binder/CD
Price: $499

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Identify, monitor and control risks within your bank’s commercial loan portfolio

Credit decisions that are sound at the time of origination can be undermined over time by internal factors within the bank’s control and by external factors such as general or local economic or environmental conditions. Sheshunoff’s Commercial Loan Review and Audit Manual is designed to help you identify, monitor and control risks to reduce commercial loan losses and will allow you to take prompt corrective action before the safety and soundness of the loan portfolio becomes a serious issue.

This manual and CD helps you develop and maintain a comprehensive loan review process which is the most effective and reliable tool available for the early identification of risk. An effective loan review process will help you provide candid feedback on the loan portfolio and enables senior management and the board to act on corrective plans before the regulators examine the portfolio and point out exceptions, violations and other potential problems.

The CD includes sample policies, checklists, guidelines and letters that can be edited and customized to your bank's specific requirements!

Sheshunoff’s Commercial Loan Review and Audit Manual guides you through the entire process for both commercial loan reviews and commercial loan compliance reviews including:

The Role of Loan Review
The Lending Process and Controls
Compliance Issues and Current Trends
Reviewing the Credit File
Reviewing the Document File
Specialized Commercial Loans
Commercial Real Estate & Real Estate Construction Loans
Reviewing Appraisals
Special Issues Facing Foreign Banks
Problem Loans
Analyzing the Commercial Loan Portfolio
Working with the Regulators
Maximizing Loan Review Findings

About the Authors

Marta Stern, is CEO of Stern & Associates, L.L.C., a bank compliance consulting firm based in Los Angeles County. Before founding the firm, Stern served as a compliance/CRA officer for 12 years. Her prior experience also includes 25 years as a paralegal specializing in banking and savings and loan law. Her firm provides a broad range of consulting services including loan review sand compliance audits as well as programs to correct exceptions/violations cited by the regulators. Marta Stern is an award-winning pioneer in the field of financial literacy education and a frequent writer on compliance topics.

Jonathan R. Hanier’s commercial banking career goes back to 1975 and includes extensive responsibilities for commercial loan portfolios. His background includes service as Senior Vice President at Sakura Bank Limited, Vice President at DG Bank and as a banking officer for Continental Bank Internation. He has served as a consultant and expert witness for financial industry clients including doing loan reviews, evaluating credit risk, loan compliance and as an audit specialist for Stern & Associates. He is co-founder and CFO of Peanut Better.