Loan Review

LQAS can prepare you for your next examination and loan review the following ways:

  • A PC-based system can organize lending backroom details to anticipate Examiner/Loan Review requirements.
  • Reporting allows bank management to monitor and control credit/collateral exceptions, keeping ahead of problem loans, as well as examiners.
  • Increase the bank’s credibility with examiners. The typical loan review process is 80% manual recording of information and 20% actual evaluation. With an automated system, that ratio can be reversed so that the majority of time can be spent on analysis and working with bank management to improve overall loan portfolios.  A sample can be created with line sheets in less than 5 minutes.
  • Reduction of labor costs by reducing the time taken to research and organize vast amounts of detail.
  • Time spent digging through files for supporting documentation is done in seconds when used with our document imaging option
  • Examiner type line sheets, covering the entire borrowing relationship, can be generated and printed in seconds.
  • Automated export process via LQAS Pinpoint, our review/examination tool.

Addressing Regulatory Issues

Operational and Managerial Standards are now dictated to the bank by the regulators. LQAS now covers all areas of loan monitoring requirements. Staying on top of portfolios is critical for bank managers, especially in light of the FDIC Improvement Act of 1991, which can hold managers and/or lenders individually accountable for exceptions. Portfolio stress testing was also added that exceeds the OCC model. We are committed to adding any features as regulations dictate in the future.

Debt Summary

LQAS can monitor and total the entire debt picture of the borrower for loan limits, examiner/loan review loan cutoffs and guarantor monitoring. Having this information available from the nearest computer terminal is invaluable to any bank.

Write Ups

Write ups can be done on LQAS at either/or the customer or loan level. Customer and loan write ups can be written with a standard template (created by each institution) or can be done without a template. Write ups contain full word processing capabilities including spell check. Ratios can be entered before a customer write up is done and saved with the write up. Write up histories are maintained by LQAS.

Features

  • Total debt calculation including unfunded commitments.
  • Up to 1,200 split grades per loan with automatic adjustment of graded loan amount via current balance download from mainframe even if the loan has multiple grades.
  • RAF set per grade and loan type per new OCC guidelines with ability to change bank-wide or set specific to a loan.
  • Unlimited customer write-ups and history with spell check.
  • Unlimited loan write-ups and history with spell check.
  • Direct regulatory access for examination.
  • Digitize submission of all customer, loan, and document information to the regulators as requested by OCC.
  • Ability to assign the customer a grade and to split grade at the customer level.