Retail Lending Examination Procedures

Supplemental Examination Procedures

The supplemental procedures for retail credit, which include product-specific procedures and more testing, are organized by functional and product-specific areas. These areas are:

• Management planning.

• Marketing and product development.

• Underwriting.

• Account management.

• Collections.

• Risk management and control functions.

• Profitability.

• Third-party management.

• Debt suspension and cancellation.

• Overdraft programs.

These procedures are targeted to larger, more complex operations, as well as to smaller banks that have conditions requiring more comprehensive review.

Previous: Minimum Examination ProceduresThe minimum procedures focus solely on retail credit activities. These procedures are consistent with, but not identical to, the procedures in the “Community Bank Supervision” booklet of the Comptroller’s Handbook. Next: Appendixes