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Author: Comptroller of the Currency Publisher: Createspace Independent Publishing Platform ISBN: 9781502861795 Category : Languages : en Pages : 32
Book Description
"Commercial loans” is a term commonly used to designate loans not ordinarily maintained by either the real estate or consumer loan departments. In asset distribution, commercial or business loans frequently comprise one of the most important assets of a national bank. They may be secured or unsecured and for short or long-term maturities. Such loans include working capital advances,term business loans, agricultural credits, and loans to individuals for business purposes.
Author: Comptroller of the Currency Publisher: Createspace Independent Publishing Platform ISBN: 9781502861795 Category : Languages : en Pages : 32
Book Description
"Commercial loans” is a term commonly used to designate loans not ordinarily maintained by either the real estate or consumer loan departments. In asset distribution, commercial or business loans frequently comprise one of the most important assets of a national bank. They may be secured or unsecured and for short or long-term maturities. Such loans include working capital advances,term business loans, agricultural credits, and loans to individuals for business purposes.
Author: Comptroller of Comptroller of the Currency Administrator of National Banks Publisher: CreateSpace ISBN: 9781503308091 Category : Languages : en Pages : 32
Book Description
Introduction"Commercial loans" is a term commonly used to designate loans not ordinarilymaintained by either the real estate or consumer loan departments. In assetdistribution, commercial or business loans frequently comprise one of the mostimportant assets of a national bank. They may be secured or unsecured and forshort or long-term maturities. Such loans include working capital advances, term business loans, agricultural credits, and loans to individuals for businesspurposes.
Author: Office of the Comptroller of the Currency Publisher: Createspace Independent Publishing Platform ISBN: 9781502894519 Category : Languages : en Pages : 132
Book Description
The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, “Commercial Real Estate Lending,” provides guidance for bank examiners and bankers on commercial real estate (CRE) lending activities. For the purposes of this booklet, CRE lending comprises acquisition, development, and construction (ADC) financing and the financing of income-producing real estate. Income-producing real estate comprises real estate held for lease to third parties and nonresidential real estate that is occupied by its owner or a related party.
Author: Comptroller of Comptroller of the Currency Publisher: CreateSpace ISBN: 9781502950703 Category : Languages : en Pages : 76
Book Description
This booklet describes the fundamentals of leveraged finance. The booklet summarizes leveraged lending risks, discusses how a bank can prudently manage these risks, and incorporates previous OCC guidance on the subject. One of a series of specialized lending booklets of the Comptroller's Handbook, "Leveraged Lending" supplements the general guidance in the "Loan Portfolio Management" and "Commercial Lending" booklets.
Author: Peter S. Clarke Publisher: Kevin Lee ISBN: Category : Business & Economics Languages : en Pages : 380
Book Description
This new, third edition, has added many updates regarding critical asset-based collateral subjects and issues, including regulatory Uniform Commercial Code (UCC) changes and more. Asset-based lending, or the extension of credit against company's balance sheet assets on a collateral margin basis, is a rapidly growing field in the lending arena - thanks to better controls and understanding as well as the intensification of non-bank competition in the field. Asset-Based Lending defines lending controls and policies, assessing collateral and borrower quality, loan pricing, collateral monitoring and much more, including: - Cash collateral accounts, commingling funds and controlling payments and advances - Completing notes, security agreements and other documents - Accounts receivable and inventory lending - Chattel paper, notes, machinery and equipment - Direct and third party leasing - Collateral field examinations - Factoring
Author: Comptroller of Comptroller of the Currency Publisher: CreateSpace ISBN: 9781502938206 Category : Languages : en Pages : 46
Book Description
A bank's installment loan portfolio is usually comprised of a large number of small loans, each scheduled to be amortized over a specific period. Most installment loans are made directly for consumer purchases, but business loans granted for the purchase of heavy equipment or industrial vehicles, such as tractor-trailers or buses, may also be included. In addition, the department may grant indirect loans for the purchase of consumer goods.
Author: James S. Sagner Publisher: ISBN: 9780615959108 Category : Business & Economics Languages : en Pages : 316
Book Description
Banking experts review, simplify corporate lending process. James S. Sagner and Herbert Jacobs advise on corporate lending to help bankers, lenders and corporate finance managers avoid future credit problems in Handbook of Corporate Lending: A Guide for Bankers and Financial Managers. The authors argue for a fresh approach to improving bank lending to corporations. Historically, most banks spend their efforts in evaluating loan proposals from businesses before approving or denying credit. The authors argue persuasively and with examples that lending is a two-step process: the analysis of the company in the context of its industry and its competitors; and then a loan agreement that identifies the credit risks. The book demonstrates through the use of case studies how to limit those risks to the lenders and just as importantly, to the company. Sagner and Jacobs, former senior bankers and consultants and educators to the banking industry, systematically review the process of corporate credit decision-making. Too few banks are now providing adequate formal credit-training. This leaves bankers without the proper guidance to review credit requests and create precautions for corporate borrowers and lenders. Sagner and Jacobs show readers how such factors influence credit, funding, pricing decisions and proper structuring of loans. The book covers such topics as trends in commercial loan activity, the credit loan agreement, the banker's responsibilities, risk management measurement and the credit process. Eight cases in the book highlight a variety of credit issues. "The book is written from the perspective of the banker or other lender who makes these important decisions," said Sagner. "But business people, particularly global financial managers who must secure credit and maintain excellent relations with their lenders, need to understand this important information." Sagner and Jacobs help readers navigate the issues confronting financial and banking managers. The book aims to explain the financial processes lenders use to make decisions, and to analyze the strengths and weaknesses of credit measurements so that business and financial managers are better prepared to arrange credit facilities.
Author: Office of Office of the Comptroller of the Currency Publisher: Createspace Independent Publishing Platform ISBN: 9781545400449 Category : Languages : en Pages : 150
Book Description
The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, "Retail Lending," is prepared for use by OCC examiners in connection with their examination and supervision of national banks and federal savings associations (collectively, banks). Each bank is different and may present specific issues. Accordingly, examiners should apply the information in this booklet consistent with each bank's individual circumstances. When it is necessary to distinguish between them, national banks and federal savings associations are referred to separately. This booklet discusses risks associated with retail lending and provides a framework for evaluating risk management activities. This booklet supplements the core assessment in the "Large Bank Supervision," "Community Bank Supervision," and "Federal Branches and Agencies Supervision" booklets of the Comptroller's Handbook. Examiners should use this "Retail Lending" booklet when specific retail credit products, services, or risks warrant review beyond the core assessment. This booklet's objective is to consider risk management practices fundamental to retail lending and common across product types. Additional product-specific considerations may apply. For example, certain lending and risk management practices relevant to particular products are described in other booklets of the Comptroller's Handbook, including "Residential Real Estate Lending," "Mortgage Banking," "Credit Card Lending," "Student Lending," and "Installment Lending." Specific consumer protection laws and regulations applicable to retail lending are discussed in the Consumer Compliance booklets of the Comptroller's Handbook.
Author: Comptroller of the Currency
Author: Comptroller of the Currency
Author: Comptroller of Comptroller of the Currency Administrator of National Banks
Author: 
Author: Office of the Comptroller of the Currency
Author: 
Author: Comptroller of Comptroller of the Currency
Author: Peter S. Clarke
Author: Comptroller of Comptroller of the Currency
Author: James S. Sagner
Author: Office of Office of the Comptroller of the Currency