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    HVCRE

    Posted in: RMA Member Forum

    Good Morning. Has anyone received guidance from the regulators, regarding HVCRE, based on the scenario below? Borrower owns a commercial property free and clear and would now like to pledge this property as collateral for a construction loan in which ...

  • Posted in: RMA Member Forum

    ​Is anyone using a risk rating adjustment either as part of your Q-factors, or as an additional adjustment to the ALLL?   Any insight would be most helpful. Thanks, Roland ------------------------------ C.Roland Newkirk Chief Credit Officer Orange ...

  • Posted in: RMA Member Forum

    ​Miriam, Being a retired banker who experienced many real estate recessions / depressions in the southeast, I would just offer that at the end of the day you should underwrite investment property collateral as if one day the bank may own it. In that case, ...

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