Bank Policies

There are a few field examiners in our area (the gulf south) who have become enamored with reviewing bank policies. In addition to checking the “big three” policies (Loan, Liquidity and Interest Rate Risk), they are reviewing (somewhat randomly) the following: Capital Plan / Policy, Dividend Policy, Transactions with Affiliates Policy, Management Continuity / Succession Policy and Expense Reimbursement Policy. If you don’t have one or more of these on your policy bookshelf, you should adopt one before the next “friendly visit”. We will gladly share samples of some of these policies, so don’t feel like you have to reinvent the wheel or buy a policy from a vendor.

We have made several subtle changes in recent months to our Liquidity and IRR policies to reflect examiner comments and revisions to our reports. If you haven’t updated these two policies in a while, please let us know and we will send you our current templates.