贷款损失控制.doc

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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

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