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Does anyone have default DSCR covenant language for individuals, entities, and global covenants that they would be willing to share? Thanks, ------------------------------ Nicholas Klein CRC VP, Sr. Credit Risk Review Officer Ephrata National Bank Ephrata ...

Our bank has a large portfolio of government guaranteed loans and we have the capability of splitting out the risk ratings as you describe. We rate the guaranteed portion better than the non-guaranteed portion and split the ratings. We use the Precision ...

Generally speaking, this is what we start with when helping clients develop a Risk Appetite framework, and flowing into enterprise risk assessments. We generally start with the "OCC 8" and sub-divide several categories where those sub-divisions are meaningful ...