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Commercial Risk Rating Considerations

Risk rating is integral to underwriting and managing commercial loans. The lifecycle of a risk rating system extends from policy development through individual risk rating assessments to monitoring the overall system.

This whitepaper seeks to provide an overview of this lifecycle as it relates to individually managed credits. The conclusions and recommendations are based on regulatory guidance from the Federal Reserve Board of Governors (FRB), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Company (FDIC), the National Credit Union Administration (NCUA), poll results from over 75 webinar participants and the writer’s experience. Each institution will need to determine the best way for it to integrate these practices based on its size and complexity.

Looking for Banker’s Toolbox? You are in the Right Place!

Banker’s Toolbox is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to Banker’s Toolbox Community Online.

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Looking for MainStreet Technologies? You are in the Right Place!

MainStreet Technologies is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the contact us button here, or the link in the top navigation, to reach product support for your MST products.

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Looking for Sageworks? You are in the Right Place!

Sageworks is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to your Sageworks products.

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Looking for Farin? You are in the Right Place!

Farin is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to your Farin client portal.

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Abrigo acquires construction loan management solutions

Coupled with our lending suite, Construct and +Pay from BankLabs enable end-to-end automated residential/commercial construction loans.

Read the press announcement

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