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贷款损失控制
造成贷款损失的主要原因
1.Inattentiontoloanpolicies
2.Overlygenerousloantermsandlackofclearstandards
3.Disregardofbank’sownpolicies
4.Unsafeconcentrationofcredit
5.Poorcontroloverloanpersonnel
6.Loangrowthbeyondthebank’sabilitytocontrolquality
7.Poorsystemsfordetectingloanproblems
8.Lackofunderstandingofborrower’scashneeds
9.Outofmarketlending
10.Collateralovervalued;improperlymarginedandfailuretogetappraisal
11.Dispersaloffundsbeforedocumentationfinished
12.Officermaking“goodoleboy”loans,bypassingtheloanmittee,personalfriendshipofloanofficerwithborrower
13.Loantoanewbusinesswithaninexperiencedownermanager
14.Renewingaloanforincreasingamounts,withnoadditionalcollateraltaken
15.Repeatedlyrewritingloantocoverdelinquentinterestdue
16.Notanalyzingborrower’scashflowsandrepaymentcapacity
17.Failureofofficertoreviewloan’sstatusfrequentlyenough
18.Fundsnotappliedasrepresented,divertedtoborrower’spersonaluse
19.Fundsusedoutofbank’smarketarea;poormunicationswithborrower
20.Repaymentplannotclearornotstatedonthefaceofthenote
21.Failuretoreceiveorinfrequentreceiptofborrower’sfinancialstatements
22.Failuretorealizeoncollateralbecauseborrowerraisednuisancelegaldefenses
23.Bank’sfailuretofollowitsownwrittenpoliciesandprocedures
24.Bankpresidenttoodominantinpushingthroughloanapprovals
25.Ignoringoverdraftsituationasatipofftoborrower’smajorfinancialproblems
26.Failuretoinspectborrower’sbusinesspremises
27.Lendingagainstfictitiousbooknetworthofbusiness,withnoauditorverificationofborrower’sfinancialstatements
28.Failuretogetorignoringnegativecreditbureaureportsorothercreditreferences
29.Failuretocallloanortomoveagainstcollateralquicklywhendeteriorationbeesobviouslyhopeless
Loanreview:aregularlyreviewingafterth
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