Collateral
This program can be utilized to derive a market valuation for M&E to be used in the Collateral Workbook.
What is Tractor Zoom?
On a new AgWFC loan, that has not had a principal payment made, this is importing incorrectly when import FCS loan data is utilized.
Bonus points if you can tell us how to fix it.
What is accrued interest?
Change the "Date Last Paid" field.
This is the statement you complete your NW and WC reconciliations in Credit Pro.
What is the earnings statement?
As a general rule, loan amounts should be less than ____% of gross ag revenue, average roughly ______% percent outstanding during the course of the year, and peak within 10-15% of the commitment amount.
What is 80% and 50%?
In what situation do you not use the assigned PD for the complex in Precision Lender?
What is PD 11?- should be input as PD 10
RE valuations under ___ months are considered current and do not need additional approval.
What is 12?
RELOCs should be shown peaked if _________.
What is they plan to draw on the RELOC immediately after origination?
Net Income, Distribuions, Contributions, Taxes and Family Living should be included in which reconciliation?
What is both NW and WC?
You have this long to complete the annual review after requalification.
What is 90 days after receipt of financials?
You round to the nearest _____ when inputting the maturity and amortization.
What is year?
All new loans made in High Risk Areas (with the exception of California Coastal Counties, Yuma County, Imperial County and Arizona cattle ranches) relying on a single water source require approval at what DLA level, subject to Delegated Lending Authority or Credit Approval.
What is FL level 2?
Do you include Letters of Credit on the ALC BS, Projection, or both?
What is the projection only?
If you spread the FCS side at book basis balance sheets, do you NEED to complete the revaluation section for M&E?
What is no?
AgWest incurs additional capital costs and credit risk for multi-year revolving lines of credit that exceed 14 months. To offset capital costs and manage risk, customers with revolving lines of credit with a maturity over 14 months may (2 things)?
What is Charge the appropriate fee(s) necessary to achieve the profitability target or Annually requalify for commitment (MYLOC covenant)?
Maturity refers to the maturity of the ______.
What is the pricing/ interest rate?
Effective July 1st, 2025 for collateral located in this portfolio we underwrite for, the Discount Table in the Real Property Valuation procedure can be used to apply a discount to the previous appraised value as an alternative to ordering a new appraisal for PCA loans where real estate is secondary collateral, or part of a pool securing multiple loans.
What is Kern County?
To do an accrual adjustment you need the following three things: -________, ____________, _________.
What is cash basis earnings statement, beginning balance sheet and ending balance sheet that brackets the earnings statement?
On a BS spread on the FCS side at book value, with no market adjustments, depreciation should be ______ (included/ not included) in your NW reconciliation?
Not included
Commitment expiration date can be pushed to _______ if it is a MYLOC without requalification.
What is maturity?
This type of payment could result in a different maturity and amortization term.
What is balloon payment?
As it pertains to the collateral workbook: Verify a minimum of ____% of the total personal property collateral value and consider verifying ____% of the total value for each asset type.
What is 60% and 10%?
The formula for unfunded CapEx is ______.
What is capital expenditures less new term debt less sales proceeds?
This is what you are trying to estimate with an indirect (backdoor) NW reconciliation.
What is accrual net income?
The dairy downshift is based on $1,000/______.
DCE- Dairy Cow Equivalent
The non usage condition (should/ should not) be input into Precision Lender?
What is should not?