Commercial & Industrial Lending
Commercial & Industrial lending includes secured or unsecured credits
to business enterprises for commercial and industrial purposes and
can include working capital advances, term loans, and loans to
individuals for business purposes.
Consumer lending includes closed- and open-end credit extended to
individuals for household, family, and other personal expenditures
and includes credit cards, auto loans, and student loans.
Commercial Real Estate (CRE) Lending
CRE lending includes acquisition, development, and construction
(ADC) financing and the financing of income-producing real estate.
Income-producing real estate includes real estate held for lease to
third parties and nonresidential real estate that is occupied by its
owner or a related party.
Residential Real Estate Lending
Residential real estate lending includes loans to purchase
one-to-four family properties, loans to refinance the
purchase of those properties, and closed-end loans
and open-end lines of credit secured by the borrower’s
equity in those properties.
Agricultural lending includes loans to fund the production of crops, fruits,
vegetables, and livestock, or to fund the purchase or refinance of
capital assets such as farmland, machinery and equipment, breeder
livestock, and farm real estate improvements.
Specialty Credit Risks
Specialty credit risks generally address the more complex lending activities associated with
counterparty credit risk, country risk, oil and gas credits, and shared national credits.
Other Credit-Related Resources
Appraisals and Other Valuation Products
Allowance for Loan and Lease Losses
Interagency Guidance on Credit Risk Review Systems
updates and replaces existing guidance on the elements of an effective credit risk review system.