Get the information, analysis, and documentation you need when evaluating a commercial loan, either at origination or as part of a loan review. Create three-year spreads of a borrower’s financial statements and determine a loan grade based on financial strengths and weaknesses.

This easy-to-use model provides:

• Cash flow analysis
• Debt service projections
• Balance sheet trend analysis
• Comparison with Robert Morris & Associates industry data
• Financial underwriting analysis for up to 6 co-borrowers
• Collateral valuation worksheet

System Requirements

Available in Microsoft Excel 97 and 2000

Our Commercial Risk Rating Model analyzes all 5 C's of Credit (Capacity, Character, Collateral, Capital, and Conditions) for individual commercial loan transactions. Available for 7, 8 and 9 Risk Rating Scales.

• Objective - Benchmarks criteria against industry averages by NAICS.
• Subjective - Provides flexibility to select certain criteria and assign a subjective rating, as well as to add comments to account for circumstances deemed important and appropriate regarding the credit.
• Cutting Edge - Measures Conditions (industry risk) based on economic data obtained by Young & Associates, Inc.
• Easy to Understand - Color-coded for easy interpretation of results. Includes a weighted "Composite" risk rating to determine the loan's overall credit risk to the institution.
• User-friendly - Easy-to-use navigation features makes grading commercial loans simple.
• Support - Includes 1 year of technical support.
• Annual Update - Optional annual update service to adjust industry benchmarks or changes in regulatory expectation ($200 per year).

Requires Microsoft® Excel 2003 or higher.

Includes the Commercial Loan Risk Rating Model (#277), and Consumer Loan Risk Rating Model (#279).

Our Consumer Risk Rating Model analyzes all 3 C's of Credit (Capacity, Character, Collateral, Capital, and Conditions) for individual consumer loans. Available for 7, 8 and 9 Risk Rating Scales.

• Objective - Benchmarks criteria against industry standards (e.g. credit scores, debt-to-income).
• Subjective - Provides flexibility to select certain criteria and assign a subjective rating, as well as to add comments to account for circumstances deemed important and appropriate regarding the credit.
• Cutting Edge - Based on current mortgage industry standards.
• Easy to Understand - Color-coded for easy interpretation of results. Includes a weighted "Composite" risk rating to determine the loan's overall credit risk to the institution.
• Support - Includes 1 year of technical support.
• Annual Update - Optional annual update service to adjust industry benchmarks or changes in regulatory expectation. ($100 per year).

Requires Microsoft® Excel 2003 or higher.

PFS Calculator (Automated and Self Calculating Personal Financial Statement)

Provides banks with an easy-to-use, automated method of collecting personal financial information from borrowers.

• Saves time and effort. File can be emailed to borrowers to complete, eliminating the tedious administrative task of mailing each year.
• Assists in standardizing submission of personal financial information from borrowers.
• Can be customized to show bank name, address (for multiple branch locations), phone, fax, etc.
• Unlimited use. File can be used and distributed to borrowers again and again.
• Ensures accuracy of calculations. Once entered by the borrower, entries are automatically calculated, eliminating the need to double check numbers.
• Easy to read. No need to worry about illegible digits or handwriting.
• Easy for borrower to understand and complete.
• Easy to update. Once completed, borrower just needs to save the file and update applicable information the following year.

Includes two easy-to-use Microsoft® Excel spreadsheets to complete the required stress tests using multiple stress test scenarios (e.g., collateral values, debt service coverage ratio, interest rates, etc). Most information can be downloaded from the bank's mainframe, eliminating the tedious task of entering all data manually. Also includes easy-to-understand instructions for completing both worksheets, and explains the importance of stress testing to the bank's overall risk assessment of portfolios.
Requires Microsoft® Excel 2002/XP or higher.

Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests needed for consumer mortgage loans and home equity lines of credit. Stresses the collateral value as well as the debt to income ratio. Includes easy-to-understand instructions for completing the worksheet and explains the importance of stress testing to the bank's overall risk assessment of portfolios.
Requires Microsoft® Excel 2002/XP or higher.

Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests for the higher-risk segments of the bank's loan portfolio. Stressing the bank’s credit risk grades and credit scores by loan type will determine the impact to the bank’s loan provisions and capital. Includes easy-to-understand instructions for completing the worksheet, and explains the importance of stress testing to the bank's overall risk assessment of portfolios.
Requires Microsoft® Excel 2002/XP or higher.

Includes the Commercial Real Estate (CRE)/Commercial Loan Stress Testing Model (#258), Portfolio Segment Stress Testing Model (#257), and Consumer Real Estate/HELOC Stress Testing Model (#256).

Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria.

Prod Num: 076
Price: $225.00

Address the bank's responsibilities to monitor its portfolio for adequate ALLL, including methodology, portfolio analysis, and examination guidelines.

Prod Num: 077
Price: $175.00

Establishes guidelines to assist the bank in protecting its interest in real estate-related transactions. Includes appraiser and evaluator qualifications and selection, as well as the competency requirements.

Prod Num: 124
Price: $225.00

Establishes the bank's responsibilities to manage lending risks, including procedures for delinquent loans, collection, business continuation, placing loans on non-accrual status, repossession of collateral, and OREO.

Updated to include the Loan Workout requirements bank examiners will be looking for.

Prod Num: 078
Price: $325.00

Covers commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.

Prod Num: 079
Price: $225.00

Sets the tone for Community Reinvestment Act compliance, whether by strategic plan or lending, investment, or service tests. Includes information on delineation of assessment area, performance standards, performance evaluation, data collection, reporting, disclosures, and public file.

Prod Num: 120
Price: $175.00

Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions.

Prod Num: 080
Price: $225.00

Provides a basis for the bank to regulate its credit card lending practices and develop a comprehensive policy to guide this activity in the future. Covers credit line management, over-limit practices, negative amortization, workout and forbearance practices, settlements, income recognition and practices, and policy exceptions.

Prod Num: 216
Price: $175.00

Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions.

Prod Num: 074
Price: $325.00

Uses the principles established by CERCLA to set internal procedures for recognition of potential risks and liabilities, operations, and loan documentation.

Prod Num: 081
Price: $275.00

Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.

Prod Num: 117
Price: $125.00

Designed to comply with all the regulatory agencies’ reporting requirements. Establishes internal procedures for disclosure, applications, activity reports, and loan file information.

Prod Num: 121
Price: $175.00

Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse action. Includes discussion on prohibited actions, disparate treatment, and disparate impact.

Prod Num: 177
Price: $325.00

Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.

Prod Num: 123
Price: $175.00

Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and closed-end loans.

Prod Num: 236
Price: $175.00

Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.

Prod Num: 119
Price: $175.00

For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.

Prod Num: 075
Price: $175.00

Regulates the terms of certain extensions to active duty servicemembers, including Active Guard and Reserve duty, and their dependents.

Prod Num: 251
Price: $125.00

Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that includes eight grades, upgrading and downgrading information, and portfolio monitoring with three tiers. Also includes a special concern classification, loan watch list, and corrective action reporting and training.

Prod Num: 082
Price: $325.00

Establishes an appropriate practice for renewing and restructuring troubled credits. Addresses the requirements that are appropriate for the complexity of the bank’s loans and that are consistent with safe and sound lending practices and regulatory reporting requirements. The text from this policy is included in the Collection, Workout, Charge-Off and Recovery Policy (#078) (can be purchased if your bank needs a more comprehensive policy).

Prod Num: 286
Price: $125.00

Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.

Prod Num: 233
Price: $225.00

Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account closings, error resolution, and reporting.

Prod Num: 084
Price: $175.00

Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review.

Prod Num: 226
Price: $175.00

Covers nondiscrimination, loan applications, portfolio diversification, credit criteria, documentation, appraisals and evaluations, appraisal review, credit decisions, loan disclosures, insurance, secondary market, and exceptions to policy. Includes full appraisal policy.

Prod Num: 083
Price: $325.00

Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.

Prod Num: 122
Price: $225.00

Financial institutions are required to have a policy and process for determining when a reappraisal or reevaluation of collateral is needed. The purpose of this policy is to ensure that appropriate documentation of the value of real estate used to secure a loan has been obtained and placed in the credit file.

Prod Num: 275
Price: $225.00

Establishes procedures for receiving and handling consumer complaints. Sets forth the bank's intent to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices.

Prod Num: 116
Price: $125.00

Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting.

Prod Num: 118
Price: $175.00

Covers the requirements of the Truth in Lending Act. Includes exempt transactions, open-end credit, credit cards, home equity lines of credit, closed-end credit, and right of rescission, as well as advertising for credit.

Prod Num: 114
Price: $325.00

Guides the bank in compliance with the SAFE Act in a manner appropriate to the nature, size, complexity, and scope of the bank's operations. Addresses registration requirements for mortgage loan originators and the bank, required information, use of unique identifiers and maintaining registrations.

Prod Num: 284
Price: $175.00

This policy outlines the financial relief protection extended to servicemembers when they are called into active military duty. Covers issues with direct implications to community banks, such as the bank’s obligations in reducing interest rates, installment and lease contracts, coverage of certain family members, and automatic extensions of power of attorney.

Prod Num: 223
Price: $175.00

Addresses the regulatory agencies' concern about subprime lending. Covers definitions specific to subprime lending, risk management (including ALLL), capital adequacy, abusive practices, and training.

Prod Num: 204
Price: $325.00