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    This document discusses different types of loans including real estate loans, agricultural loans, commercial and industrial loans, and consumer loans. It outlines factors that determine the mix of bank loans such as market characteristics, lender size, management expertise, and regulations. The lending process and important considerations for lending are also summarized, including evaluating a customer's creditworthiness and monitoring loan agreements. Loan workout strategies are covered, aiming to maximize recovery while considering alternatives like restructuring terms.

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    CBTEST3Lists

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    This document discusses different types of loans including real estate loans, agricultural loans, commercial and industrial loans, and consumer loans. It outlines factors that determine the mix of bank loans such as market characteristics, lender size, management expertise, and regulations. The lending process and important considerations for lending are also summarized, including evaluating a customer's creditworthiness and monitoring loan agreements. Loan workout strategies are covered, aiming to maximize recovery while considering alternatives like restructuring terms.

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    Attribution Non-Commercial (BY-NC)
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as docx, pdf, or txt
    27 views3 pages

    CBTEST3 Lists

    Uploaded by

    Sam Hanzlik
    This document discusses different types of loans including real estate loans, agricultural loans, commercial and industrial loans, and consumer loans. It outlines factors that determine the mix of bank loans such as market characteristics, lender size, management expertise, and regulations. The lending process and important considerations for lending are also summarized, including evaluating a customer's creditworthiness and monitoring loan agreements. Loan workout strategies are covered, aiming to maximize recovery while considering alternatives like restructuring terms.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as docx, pdf, or txt
    of 3

    Chapter 16

    Types of Loans Real Estate Loans Financial Institution loans Agricultural Loans Commercial and Industrial Loans Loans to individual Miscellaneous Loans Lease financing Receivables Factors Determining the Mix of Bank Loans Characteristics of market area Lender size Expertise and experience of MGMT Expected yield on each type of loans Regulation The Lending Process Find prospective customers Evaluate a potential customers creditworthiness Structure terms of the deal Monitor compliance with loan agreement (credit admistration) 6 Cs of Lending Character Capacity Cash Collateral Conditions Control Loan Workout Process Maintain goal of maximizing the recovery of funds Rapid detection/reporting of problems Seperate from lending function Estimate available resources to collect loan Consider all reasonable alternatives (ex. restructure terms)

    Chapter 17
    Short-Term Business Loans Interim Construction loans Retailer and equipment financing Asset based financing Security Dealer loans Self-liquidating inventory and working capital Syndicated loans Long-Term Business Loans Term loans Project loans Loans to support acquisitions Revolving credit lines Pricing Business Loan Models Cost plus Price leadership Below prime market Customer profitability

    Chapter 18
    Types of Consumer Loans Residential mortgage loans Nonresidential mortgage loans Types of Residential Mortgage Loans Primary Lien Junior Lien Home equity line of credit Types of non-residential mortgage loans Installment Loans Noninstallment loans Revolving credit loans Characteristics of Consumer Loans most costly and risky highest default rate cyclically sensitive interest inelastic

    Disclosure Laws Truth-in-lending Fair Credit Reporting Fair Credit Billing Fair Debt Collection Practices

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