Commercial Loan Policy

Commercial Loan Policy

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Commercial Lending Helping new and existing businesses grow and prosper has always been one of our goals at Gulf Credit Union. When you choose us for a .

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This article explores how lending activities can be administered and controlled through appropriate and sound underwriting criteria and practices that are governed by a sound loan policy. 1 A loan policy must establish who is responsible for ensuring that the underwriting criteria (financial capacity, collateral, pricing, and terms) are appropriately structured, analyzed, and monitored. This article also touches upon the incorporation of documentation requirements and the ongoing maintenance.

Review commercial loan policies and written procedures, including any policy or procedure related to business lending (such as risk rating matrix, appraisal, environmental, collections, TDR, workout, modifications, servicing and/or loan administration etc.) and complete the Commercial Loan Policy and Regulation Review Checklist [under development]

This booklet addresses commercial loans, which include working capital advances, term business loans, agricultural credits, and loans to individuals for business purposes. Applicability This booklet applies to the OCC’s supervision of national banks.

Also, commercial real estate loans usually involve fees that add to the overall cost of the loan, including appraisal, legal, loan application, loan origination and/or survey fees.

Commercial Loan Policy. A federally insured credit union engaged in commercial lending that is not exempt from 723.3 and 723.4 of NCUA rules and regulations must adopt and implement a comprehensive written commercial loan policy and establish procedures for commercial lending. The policies and procedures must provide for ongoing control, measurement, and management of the credit union’s commercial lending activities.

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Like any other policy, your loan policy needs to include any sanctions for violating the policy in any way. This can include such things as failing to take care of what you loan them, as well as failure to return the items on time.

How Commercial Loans Work Commercial property loans vs home loans When you buy a house, you go to the bank for a home loan. When you buy a building, you do the same – but instead of a home loan, you get a commercial property (or real estate) loan. commercial property and real estate loans are similar to traditional home loans in some ways.

The policy elements should also outline other common loan types found in commercial banks. The major policy elements for a bank are A statement highlighting the features of a good loan portfolio in terms of types, maturities, sizes, and quality of loans.

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