Loan Review Management Program   Program Features:   Automated Reports: "Watch" List Exceptions Non-Accrual Loans Reviewed Loan Grades Complete Loan Relationship Summary Other Features: Editable Queries This program utilizes a relational database as a tool to input, store, and manage data about loans. One of the many time consuming tasks we, as lenders or loan review personnel, all have to address, virtually on an on-going basis, is the current status of our loans. As we perform our tasks acting in the capacity of one of these positions, some of the questions we may asks ourselves might include the following:   Which loans are past due? Which loans are (or should be) on the bank’s Internal "Watch" List? Which loans are, or should be on non-accrual status? How many, for what dollar amounts, what grades, and which loans have I reviewed this period (quarter, month, year, or for whatever time period you choose to view)? Which loans are graded as “Special Mention; “Substandard”; “Doubtful”; Loss”; and which ones are “Pass Credits”, such as loans you might grade as “Excellent”, “Good”, “Acceptable”, etc.? Which loans, and for what dollar amounts are: Direct Consumer Closed-End Installment; Indirect Consumer Closed-End Installment; Open-End HELC (Home Equity Lines of Credit); Open-End Overdraft Protection Accounts (line of credit); Closed-End Residential Real Estate Loans; C&I (Commercial & Industrial); and which are Commercial Real Estate loans? How about which ones are FHA, or VA, or other types? How can I include comments on the “Watch List” to better inform management of what the status is on these loans and what recent efforts loan collections and workout personnel have done to minimize the banks credit exposure & minimize risk of additional loss? Which loans have “specific allocations” (a portion of the allowance for loan & lease loss reserve account calculated as potential loss for any particular loan)? Which loans have document or credit exceptions that need to be tracked and reported to executive management and the board of directors? How can I summarize a borrower’s entire loan relationship with the bank in one report format that shows individual loan credit risk and overall (aggregate) credit exposure to the bank, including unfunded commitments? After pondering over these, you can see that the questions listed in the box on the previous page cover much of the information you want to track, manage, and report.   Haven’t you wished over & over that there were a quicker, more efficient way to manage the problem loan portfolio? Do you use a word processor software program or even a spreadsheet program to try and track these kinds of loan information? Do you manually type numerous reports, re-typing or re-keying redundant loan data over & over? Do you have to type the name, loan number, comments, loan balances, unfunded commitment amounts over & over into several different reports? Would you like to key in your loan information one time (or possibly be able to import the data) and as a result be able to produce several informative reports simply by clicking on a few buttons?   This LRM program can accomplish otherwise redundant tasks for you, and in a surprisingly short time. Stop wasting your precious time! Let this program create the reports for you, in most cases instantaneously.   By you investing a little bit of time now to check into this program could save you much valuable time going forward! The initial input of your loan data will take a little time, but you will be surprised at the valuable output information it can produce. Once you have your core data in the program, things like the current balance and status of a loan can quickly be updated. Let’s take a brief look at how to get around in, enter data, and obtain reports from this program. On the following pages you will see various menus, forms used for input, and some sample reports that you can generate almost instantaneously using this program. All you have to do is input the loan specific data once, and check a few boxes here & there, and of course add your own comments about the loan, and you are on your way to getting many reports that will summarize and provide valuable information to you and your bank’s management. The reports are uniform, concise and provide crucial management information.   Home | Company | Services | Products | Links | References | Contact