Commercial Loan Underwriting That Satisfies NCUA
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Guest: Vin Vieten, former NCUA Senior Credit Specialist
Key Topics:
- Financial analysis for commercial lending
- Credit proposal best practices
- Global cash flow analysis
Key Takeaways:
1. Financial Analysis:
- Should be well-organized, consistent, and comprehensive
- Analyze 3+ years of financial performance to establish trends
- Examine income statement, balance sheet, and cash flow
- Provide value to borrowers through expert financial review
2. Credit Proposals:
- Use a standard, logical format
- Include key information like ownership structure, industry analysis, repayment ability
- List all direct and related debt to show total relationship exposure
- Assign and justify an appropriate risk rating
- Highlight exceptions to policy on the cover page
3. Global Cash Flow:
- Analyzes borrower, guarantor, and related entities to understand overall risk
- Depth of analysis depends on transaction complexity and risk level
- Should drive understanding of risk, not just regulatory compliance
- Default expectation is to obtain guarantees; exceptions must be well-documented
Resources Mentioned:
- NCUA Examiner's Guide on financial analysis and credit approval documents
- Preamble to the proposed MBL rule from July 2015
Contact:
https://www.linkedin.com/in/mark-treichel/
Key Topics:
- Financial analysis for commercial lending
- Credit proposal best practices
- Global cash flow analysis
Key Takeaways:
1. Financial Analysis:
- Should be well-organized, consistent, and comprehensive
- Analyze 3+ years of financial performance to establish trends
- Examine income statement, balance sheet, and cash flow
- Provide value to borrowers through expert financial review
2. Credit Proposals:
- Use a standard, logical format
- Include key information like ownership structure, industry analysis, repayment ability
- List all direct and related debt to show total relationship exposure
- Assign and justify an appropriate risk rating
- Highlight exceptions to policy on the cover page
3. Global Cash Flow:
- Analyzes borrower, guarantor, and related entities to understand overall risk
- Depth of analysis depends on transaction complexity and risk level
- Should drive understanding of risk, not just regulatory compliance
- Default expectation is to obtain guarantees; exceptions must be well-documented
Resources Mentioned:
- NCUA Examiner's Guide on financial analysis and credit approval documents
- Preamble to the proposed MBL rule from July 2015
Contact:
https://www.linkedin.com/in/mark-treichel/
