Loan portfolio management booklet of the comptroller’s handbook

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. 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. The only truly allinclusive federal banking compliance advisory service staffed with attorneys, former auditors and compliance specialists. Occ updates mortgage banking booklet in comptrollers. 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. Interim examiner guidance may be found in the appendix. More prominent role for environmental risk management in. 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. The office of the comptroller of the currencys occ comptrollers handbook is prepared for. 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. Al 973 has been replaced by the comptrollers handbook loan portfolio. This new booklet discusses the risks associated with retail lending and.

The loan portfolio is typically the largest asset and the predominate source of revenue. Credit card lending booklet of the comptrollers handbook. Management, liquidity, and country risk management. Announcing edrs new portfolio monitoring risk analysis. 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. Comptrollers handbook loan portfolio management lpm. Leveraged lending office of the comptroller of the. This booklet applies to the occs supervision of national banks and federal savings associations. Commercial real estate lending, comptrollers handbook. Prudent risk selection is vital to maintaining favorable loan. Therefore, the historical emphasis on controlling the quality of individual loan approvals and managing the performance of loans. Occ issues retail lending booklet cla cliftonlarsonallen. Comptrollers handbook 1 bankers acceptances bankers acceptances introduction background this booklet is designed to help examiners evaluate bankers acceptance activities. Loan portfolio management office of the comptroller of.

Strategies for managing country risk will be discussed in country risk. 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. 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. 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. Washington wrap up occ issues retail lending booklet rma.

The office of the comptroller of the currency occ issued today the mortgage banking booklet of the comptrollers handbook. Prudent risk selection is vital to maintaining favorable loan quality. Comptrollers handbook ffiec it examination handbook. Overview arif is the most fundamental form of collateralbased commercial lending. Comptroller s handbook april 1998 comptroller of the currency administrator of national banks on. Board reports, and the internal controls booklet of the comptrollers handbook. As such, it is one of the greatest sources of risk to a banks safety and soundness. Refer to the loan portfolio management booklet of the comptrollers handbook for detailed. The sophistication of a banks liquidity management process. 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. Refer to 12 usc 3102b and the federal branches and agencies supervision booklet of the comptroller s handbook for more information. 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. 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.

Community reinvestment examination procedures comptroller. Occ updated the bank supervision process, community bank supervision, federal branches and agencies supervision, and large bank supervision booklets of the comptrollers handbook. Loan portfolio management, comptrollers handbook occ. The comptroller has found unsafe and unsound banking practices relating to asset quality, compliance and management at the bank. 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 office of the comptroller of the currency occ issued today the retail lending booklet of the comptrollers handbook. 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. Overview lending is the principal business activity for most commercial banks. 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. Price and liquidity risks may also be applicable to the extent the bank syndicates or sells abl loan s. In consideration of the above premises, it is agreed, between the bank. The comptrollers handbook is designed to guide examiners in performing consistent, highquality, professional bank supervision across the spectrum of occsupervised banks.

The occs assetbased lending booklet provides guidance to examiners and bankers regarding assetbased lending abl activities. Occ issues retail lending handbook booklet payment law. Loan portfolios that exhibit subprime credit characteristics are higher risk. Refer to 12 usc 3102b and the federal branches and agencies supervision booklet of the comptrollers handbook for more information. Occ issues retail lending handbook booklet lexology. Management, a separate booklet in the comptrollers handbook. The booklet provides guidance to national banks and federal savings associations fsas on mortgage portfolio risk management and examination procedures. Blog rmas regulatory update podcast three items rma. The 1995 booklet handbook recommended that a bank should identify environmental risks before funding a loan or offering any type of commitment to lend. Large bank supervision bookletcomptrollers handbook for safety. Review and revise the banks loan policy, referring the board to the loan portfolio management booklet of the comptrollers handbook. Act examination procedures booklet of the comptrollers handbook and occ bulletins 200617 and 200035. Rescinded al 973 has been replaced by the comptrollers.

On april 12, 2017 the office of the comptroller of the currency issued the retail lending booklet of the comptrollers handbook. Occs loan portfolio management booklet of the comptrollers handbook states that the principal approach to control loan quality is a solid loan approval process. On february 12, the office of the comptroller of the currency occ released the installment lending portion 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. Comptrollers handbook april 1998 comptroller of the currency administrator of national banks on. 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. Loan portfolio management 2 comptrollers handbook effective loan portfolio management begins with oversight of the risk in individual loans. Occ publishes new retail lending booklet consumer finance. For purposes of this article, a concentration of credit is as defined in the loan portfolio management booklet of the comptrollers handbook. This booklet only addresses closedend consumer credit. 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. For information applicable to federal savings associations, refer to former office of thrift supervision examination handbook section 201, overview. Loan portfolio management 1 comptrollers handbook loan portfolio.

Portfolio management, and rating credit risk booklets of the comptrollers. Advantages of lines of credit sterling commercial credit. 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. This new booklet, part of the safety and soundness category of the comptrollers. Assets loan portfolio management comptrollers handbooka. Comptrollers handbook 19 large bank supervision evaluate managements and the. 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. This booklet addresses the fundamentals of securities custody and related services, and provides guidance for examining those activities in national banks. Retail lending, comptrollers handbook lexis securities mosaic. Depositrelated consumer credit, comptrollers handbook. Comptroller s handbook loan portfolio management lpm author. The occs booklet outlines a framework for evaluating retail credit risk management activities and discusses the risks associated with retail lending.