credit_process

The credit_process is used to identify how a loan is credit assessed during the underwriting process

graded

Loan Grading is a classification system that involves assigning a quality score to a loan based on a borrower’s credit history, quality of the collateral, and the likelihood of repayment of the principal and interest. A score can also be applied to a portfolio of loans. Loan grading is part of a lending institution’s loan review or credit risk system and is usually an aspect of the credit underwriting and approval processes. (based on the FED Reporting Instructions for Capital Assesments).

rated

Corporate loans may be rated using the internal risk rating system of the bank. (based on the FED Reporting Instructions for Capital Assesments).

scored

Loans where the credit score of the borrower is used in the underwriting process to assess credit risk. (based on the FED Reporting Instructions for Capital Assesments).

delinquency_managed

Loans where the delinquency history of the borrower is used in the underwriting process to assess credit risk. (based on the FED Reporting Instructions for Capital Assesments).