Credit Administration

Credit Department Creation

DFTC staff have experience in creating or enhancing the capabilities of new (or existing) Member Business Lending (MBL) departments. DFTC can assist you to do the following:

  • Establish underwriting guidelines as part of the overall strategy of your institution
  • Create customized loan presentations and loan reports for senior management
  • Design appropriate job descriptions for MBL positions
  • Implement risk rating system protocols for underwriting compliance with NCUA and State regulations.
  • Assist with Allowance for Loan and Lease Losses (ALLL) calculations and overall portfolio monitoring.
  • Develop Policies and Procedures Manuals
  • Pre-committee Review

• Attend Loan Committee remotely
• Supervision of problem loan management process – watch memos, Modification reports, TDR memos
• Write loan policy and procedures to include updates
• Under the guidance of the Chief Credit Officer, Chief Financial Officer or Senior Lender assist in the analysis of loan and lease losses;
charge-offs, impairments, etc.

• Pre-committee Review
• Attend Loan Committee remotely
• Supervision of problem loan management process – watch memos, Modification reports, TDR memos
• Write loan policy and procedures to include updates
• Under the guidance of the Chief Credit Officer, Chief Financial Officer or Senior Lender assist in the analysis of loan and lease losses;
charge-offs, impairments, etc.