Business Credit

When exploring business credit, it's essential to consider various aspects and implications. Credit Card Lending, Comptroller's Handbook - OCC.gov. Strategic risk in credit card lending can arise when business decisions adversely affect the quantity or quality of products and services offered, program operating controls, management supervision, or technology. Small Business Lending | OCC. For most small business loans, the primary source of repayment is the cash flow of the business. A bank’s cash flow analysis should cover current and expected cash flows, and reflect expectations for the borrower’s performance over a reasonable range of future conditions.

Frequently Asked Questions Regarding the State Small Business Credit .... What is the State Small Business Credit Initiative? The SSBCI is a federal program, administered by the U.S. Department of the Treasury. The SSBCI provides funding to states1 to support small businesses and empower them to access the capital needed to invest in job-creating opportunities.

Loan Portfolio Management, Comptroller's Handbook - OCC.gov. Overview Lending is the principal business activity for most commercial banks. From another angle, the loan portfolio is typically the largest asset and the predominate source of revenue. As such, it is one of the greatest sources of risk to a bank’s safety and soundness.

Whether due to lax credit standards, poor portfolio risk management, or weakness in the economy, loan portfolio problems have historically ... State Small Business Credit Initiative 2.0: Frequently Asked Questions. The Office of the Comptroller of the Currency (OCC) today published answers to frequently asked questions (FAQ) about the State Small Business Credit Initiative 2.0 (SSBCI) based on the facts and circumstances presented in the questions.

These FAQs are not regulations and do not have the force and effect of law. New, Modified, or Expanded Bank Products and Services: Risk Management .... This bulletin informs national banks, federal savings associations, and federal branches and agencies of foreign banks of the principles they should follow to prudently manage the risks associated with offering new, modified, or expanded products and services. Equal Credit Opportunity Act (Regulation B) | OCC. This fact sheet provides an overview of the Equal Credit Opportunity Act (ECOA) – as outlined by Regulation B – which applies to any extension of credit and prohibits discrimination in any aspect of a credit transaction (including oral and written loan applications). This publication also provides the key protections and requirements of ECOA and other resources, including how to request ...

Commercial Credit | OCC. Banks issue commercial credit to companies, which then access funds as needed to help meet their financial obligations. Furthermore, companies use commercial credit to fund daily operations and new business opportunities, purchase equipment, or cover unexpected expenses. Credit risk is the primary financial risk in the banking system and exists in virtually all income-producing activities.

How a bank selects and manages its credit risk is critically important to its performance over time. Identifying and rating credit risk is the essential first step in managing it effectively. Trade Finance and Services, Comptroller's Handbook - OCC.gov.