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Baker Hill Prosper 2017 - Effective Exception Tracking to Minimize Risk

presented by Sabrina Robbins and co-presented by Fran Brashares of Marquette Bank Learn how one bank manages their risk by monitoring specific thresholds for their exceptions. We also discussed the processes followed to ensure the management reports are accurate as well as their impact on lender reviews and audits.

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EFFECTIVE EXCEPTION
TRACKING TO MINIMIZE
RISKFran Brashares
Sabrina Robbins
Confidential & Privileged Document
Three key takeaways
• You know what you
don’t have
• Everything is in one
place
• Reduce paper copies
Confidential & Privileged Document
Queries are great!
• Custom queries for major
tracking items
• Different users work unique
queries
• Each loan officer has their own
query
Confidential & Privileged Document
Marquette Bank’s view on tracking
• Everything is a tracking item
• No issues with auditors
• Marquette Bank is growing their business by
making solid business decisions
CHECKLISTS
Confidential & Privileged Document
Checklists = Consistency
• Pre-closing checklists
– CIP
– Title commitment
– Initial insurance
• Documentation checklists
– Mortgages
– Assignment of rents
– UCC

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Baker Hill Prosper 2017 - Effective Exception Tracking to Minimize Risk

  • 1. EFFECTIVE EXCEPTION TRACKING TO MINIMIZE RISKFran Brashares Sabrina Robbins
  • 2. Confidential & Privileged Document Three key takeaways • You know what you don’t have • Everything is in one place • Reduce paper copies
  • 3. Confidential & Privileged Document Queries are great! • Custom queries for major tracking items • Different users work unique queries • Each loan officer has their own query
  • 4. Confidential & Privileged Document Marquette Bank’s view on tracking • Everything is a tracking item • No issues with auditors • Marquette Bank is growing their business by making solid business decisions
  • 6. Confidential & Privileged Document Checklists = Consistency • Pre-closing checklists – CIP – Title commitment – Initial insurance • Documentation checklists – Mortgages – Assignment of rents – UCC
  • 7. Confidential & Privileged Document Appraisal checklists • Queries to track appraisals: – Request appraisal – Quoted appraisal – Ordered appraisal – Received appraisal – Reviewed appraisal – Payment for appraisal – Payment for appraisal review fee
  • 9. Confidential & Privileged Document Appraisal monitoring When residence is collateral on commercial loans: • Monitor appraisals • ECOA – Appraisal within 3 days of closing
  • 10. Confidential & Privileged Document Appraisal tracking • Based on LTV o  70%: Every 5 Years o 50% - 60%: Every 7 Years o < 50%: Not Required • Annual Appraisal Requirement o OREO Properties o Troubled Debt Restructure (TDR) and a Watch Credit o Substandard
  • 11. Confidential & Privileged Document Appraisers • Use service providers for appraisers: – Appraisers get a grade/score based on: • Done on time • Price • Errors • Use acronyms for property types using BDFs – Single family – 20 unit apartment – Mixed use building
  • 13. Confidential & Privileged Document Credit risk department queries • Annual reviews • Financial statements & covenants • Risk of loss with site visits • Formula driven loans / asset-based lending
  • 14. Confidential & Privileged Document Receivables tracking • Formula-Driven Lines – Require BBC, AR, AP – Use Query for “When Drawn” requirements or other criteria – Tie to product to show balance on query – Allows mass update of ticklers
  • 15. REPORTING: TO TIE OR NOT TO TIE
  • 16. Confidential & Privileged Document Tie tracking item to product • Allows loan balance to be part of reporting – AR requirements based on balance – Annual reviews based on balance • $250K to $500K at officer level • $500K and up requires analyst input – Exception exposure based on % of portfolio
  • 17. Confidential & Privileged Document Percentage of borrowers with exceptions 27.73% 3.85% 26.10% 0.19% 1.30% 4.18% % of Borrowers with Exceptions Annual Reviews Documentation Financial Statements Insurance Real Estate Taxes Site Visits
  • 19. Confidential & Privileged Document Triggers for risk rating review • Financial tracking exceptions • Annual review exceptions • Covenant violations – Debt Service Coverage – Net Worth – LTV
  • 21. Confidential & Privileged Document Letters • Send financial statement letters in April and October – En masse – Or one-offs by customer
  • 22. Q&A
  • 23. ASK US ABOUT HOW TO USE QUERIES TO REDUCE RISK THANK YOU! Presenter Contact Info Fbrashares@emarquettebank.com Sabrina.Robbins@bakerhill.com

Editor's Notes

  1. How many use the Tally Report? How is everyone calculating LTV with cross-collateralized loans? How many clients use checklists?