Loan Review: The Best Time for Best Practices is Now

Until recently, financial institutions understood and accepted certain lending boundaries—boundaries that included geographic realities, underwriting standards, and commitments to a diversified portfolio. Over the last few years, those boundaries have blurred. As a result, financial institutions bulked up on an increasing level of risk. Even those institutions that stayed within their "box," are now facing at - risk portfolios, given the unprecedented economic meltdown. This paper explores the steps and standards necessary for better loan review and improved portfolio risk management—two measures that are mission critical.

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