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Hi Melissa.  Although a bit long and not exactly a grading matrix, you might find some value to this OCC guidance on Ag Lending (several sections updated in 2018).   https://www.occ.treas.gov/publications/publications-by-type/comptrollers-handbook/agricultural-lending/pub-ch-agricultural-lending.pdf.  ...

​We are looking to amend our credit policy by adding verbiage to address environmental risks related to real estate collateral.  Is anyone willing to share some policy language so that we don't have to re-create the wheel?  I have heard this is becoming ...

Does anyone have experience with lending based on the Asset Depletion Rule? Specifically, I am wondering if any of your banks use the Asset Depletion Rule for commercial loan transactions when approving and risk rating commercial loans. Thanks, ------------------------------ ...