Understanding MBL Regulations

UNDERSTANDING MBL REGULATIONS Presented by Carol Wakefield, Consultant

Agenda ,[object Object],[object Object],[object Object],[object Object],Cartoons as seen in the New Yorker Magazine http://wwwcartoonbank.com ALL RIGHTS RESERVED “ These new regulations will fundamentally change the way we get around them.”

NCUA Rules ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Other Rules & Regulations ,[object Object],[object Object],[object Object],[object Object],[object Object]

NCUA 723.1 What is an MBL ,[object Object],“ I’m happy to give you innovative thinking. What are the guidelines?”

These Loans are Not MBL ,[object Object],[object Object],[object Object],[object Object]

What Type of Loans? ,[object Object],[object Object],[object Object],[object Object],[object Object],“ Where’d you get that?”

These are MBL’s ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Rule 723.2 Prohibited ,[object Object],[object Object],“ You know, maybe he’s not the small-business man he claims to be.”

Rule 723.3 Construction & Development Loans ,[object Object],[object Object],[object Object],[object Object]

723.5 Implementing MBL Program ,[object Object],[object Object],[object Object],[object Object]

How Experienced is Your Staff ,[object Object],“ Any experience?”

The Loan Policy – 723.6 ,[object Object],[object Object],[object Object],[object Object]

Definition of MBL Policy ,[object Object],[object Object],[object Object],“ I’m looking to hire a C.F.O., anyone interested?”

Describe Your Trade Area ,[object Object],[object Object],“ For Father’s Day, I’m giving my dad an hour of free tech support.”

Define Membership in Your CU ,[object Object],[object Object],[object Object]

Maximum Loans in Each Category ,[object Object],[object Object],[object Object],[object Object]

Underwriting Due Diligence ,[object Object],[object Object],[object Object],“ Sorry – that’s the screen saver.”

Credit Analysis ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Cash flow ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

The Loan Application ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

723.7 Collateral & Security ,[object Object],[object Object],[object Object],“ This one allows release of your information to a sitcom.”

Collateral Requirements ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

NCUA 722 - Appraisals ,[object Object],[object Object],[object Object]

Appraisals ,[object Object],[object Object],[object Object],[object Object],[object Object],“ It’s an O.K. phone, but it takes great pictures.”

Maximum to One Borrower ,[object Object],“ I lost all my Facebook friends after I asked them to lend me some money.”

723.16 ,[object Object],[object Object],[object Object]

723.19 Record Keeping ,[object Object],[object Object],“ Look, they say sit, you sit. They say roll over, you roll over. Where’s the problem?”

Who is Responsible ,[object Object],[object Object],[object Object],[object Object],[object Object],“ Miss Durban, is there anything C.E.O.-ish for me to do?”

State Rules ,[object Object],[object Object],“ This one’s too hard to type on while I’m driving.”

Loans & Lines of Credit 701.21 ,[object Object],[object Object],[object Object],[object Object],[object Object],“ There’s your problem.”

Interest Rates ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Loan Participations 701.22 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Other Rules and Regulations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ They moved my bowl.”

UCC ,[object Object],[object Object],[object Object]

3 More ,[object Object],[object Object],[object Object],“ Just because you work at a bad bank doesn’t make you a bad banker.”

SBA ,[object Object],[object Object],[object Object],[object Object],[object Object]

Loan Approval Authority ,[object Object],[object Object],[object Object],[object Object],[object Object],“ Interesting, but we can never forget that you got your MBA online.”

The Loan Committee ,[object Object],[object Object],[object Object],“ Never, ever think outside the box.”

Risk Management ,[object Object],[object Object],[object Object],[object Object],[object Object]

MBL Procedures ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ You have to know how to work the machine.”

Loan Grading System ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ First rule – what happens in accounting stays in accounting.”

Allowance for Loan Losses ,[object Object],[object Object],[object Object],“ Well, get some new numbers or I’m getting a new numbers guy.”

Environmental Policy ,[object Object],[object Object],[object Object],[object Object]

Best Practices ,[object Object],[object Object],“ Don’t embarrass me again, spell-checker.”

CUSOs 712 ,[object Object],[object Object],[object Object]

Additional Resource ,[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],Thank You “ There – now I’ve taught you everything I know about splitting rocks.”

Understanding MBL Regulations

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