Global loan review
Every entity in the relationship,on one statement.
Most borrowers are not one entity. The global review combines the operating company, the farm, the rental entities, and the personal statements into a single consolidated position, with eliminations handled and concentration reported.
- ConsolidatedEntities combined with eliminations
- ConcentrationExposure reported by segment
- One gradeA single relationship recommendation
What this review covers
Entities combined, not stapled together
Each entity keeps its own spread, and the consolidated statement nets intercompany balances so the relationship total is not double counted.
Guarantor support made visible
Personal statements sit alongside the operating entities, so the support behind the request is part of the same document.
Concentration in plain view
Exposure is reported by segment and by entity, which is the view an examiner asks for and the one committee usually has to assemble by hand.
Inside a global file
How the relationship is consolidated
Step one
Each entity is spread on its own
The consumer, commercial, and ag reviews stand alone first. The consolidation reads from finished spreads rather than asking anyone to summarize them into a new tab.
Step two
The consolidated statement nets the relationship
Intercompany notes and rents are eliminated so the combined position reflects real outside exposure rather than money moving between related entities.
Step three
Concentration is reported, not reconstructed
Schedule B reports exposure by segment so the file already answers the concentration question before it is asked.
Step four
One grade for the relationship
Ratios are graded at the consolidated level, so leverage and coverage after the request are reported for the relationship rather than for one entity in isolation.
What feeds the global
Three reviews, one combined position
Each review keeps the detail its borrower type needs. The global review carries all of it into a single relationship view.
Personal balance sheet, schedules, and coverage graded against the same policy limits.
Open the consumer review
The index
What the global workbook contains
- 01
Executive credit summary
The relationship, the request, the grade, and the recommendation.
- 02
Entity balance sheets
A complete spread for each entity in the relationship.
- 03
Consolidated statement
Combined position with intercompany balances eliminated.
- 04
Portfolio concentration
Exposure by segment and by entity.
- 05
Global cash flow
Combined coverage across the operating and personal entities.
- 06
Guarantor statements
Personal support presented inside the same file.
- 07
Pro forma balance sheet
The consolidated position after the loan is booked.
- 08
Credit memo
One recommendation for the relationship with the policy stamp.
Also in the suite