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Quantity of Credit Risk
Underwriting Factors
Low Moderate High
Changes in underwriting standards including credit score, leverage, policies, price, tenor, collateral, guarantor support, covenants, and structure.
The borrower’s ability to servi ce debt based on debt service coverage,
debt/income ratios, and credit history.
The volume and extent of exceptions and overrides.
Strategic Factors
Low Moderate High
The impact of strategic factors including the target market, the portfolio and product mix, acquisitions, diversification of repayment sources, new products and delivery channels, third-party originations, concentrations, and securitizations.
The maintenance of an appropriate balance between risk and reward.
External Factors
Low Moderate High
The impact of external factors including, but not limited to, economic, industry, competitive, and market conditions; legislative and regulatory changes; and technological advancement.
Credit Quality Factors
Low Moderate High
The levels and trends of delinquencies, nonperforming and problem assets, losses, weighted average risk ratings, and reserves.
Trends in the growth and volume of lending and fee-based credit activities, including off-balance-sheet, investment, payment, settlement, and clearing activities.
Trends in the financial performance of borrowers and counterparties.
Trends identified in loan pricing methods, portfolio analytics, loss forecasting, and stress testing methods.
Trends in summary ratings as signed by the bank’s loan review and audit.
Quality of Credit Risk Management
Examiners should consider the following assessment factors when making judgments about the quality of credit risk management. These factors are the minimum standards that all examiners will consider when completing a risk assessment. At a minimum, using the standards as a guide, examiners should review, analyze, and monitor the quality of credit risk management during every 12-month supervisory cycle to ensure quality supervision. Examine
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