Kevin's Stumpers
This is the number of change memo types.
What is two.
Change Memo type and Product Package Type.
Change memo type is used only when changin specific loan structure details. (i.e. fees, tiered pricing, borrowing options/spreads, administrative changes to covenant (i.e. typo).
Product Package type is used when more material changes are required to the deal structure. (Security, FRR, Term or amortization, Policy exceptions, Borrowing structure, covenant and loan term changes)
A DMAS LOO is only available to utilize for property valuation if the three requirements are met.
What is....
1) Loan to value (LTV) is <= 75%
2) Building comprises maximum 30% of property value and up to a maximum building value of $1MM on the aggregate of all cross collateralize real estate security.
3) Property does not contain a greenhouse.
(L) What analyst (not AM/team) did the most FUNDINGS under the BBHub platform?
Deanna with a whopping 32!!!
The maximum age of financial statements for Agriculture borrowers using the Primary Producer Agriculture BRR Model has been increased to.......?
What is 17 months?
This is applicable only if the following criteria has been met.
-Borrower is assigned an Agriculture SIC code eligible for the Primary Producer Agriculture Model.
-No evidence of derogatory financial information or significant deterioration in financial performance
-No substantial change in business operations, with historical financial information remaining an accurate reflection of current operations; and
- Relevant and reliable information supports the absence of negative financial trends. (e.g. Consistent year-over-year sales, stable turnover, and no major issues identified through account monitor, AAM/BBPro account activities)
If these aren't met 12 months will continue to apply.
The Credit Limit permitted for a Focused Review with no increase in exposure being requested.
What is NO LIMIT?
There is no limit, only when an increase is requested does the credit limit have to be within the following thresholds:
-Greater of 10% of Authorized Credit (max $1MM) or $300M
OR
-Sub Total Credit <= $3MM & Daylight Credit (including the increase)
EXCEPT 100% cash secure increases have no limit
The amount of account excess DVP Vince Puchailo can approve for a non-borrowing client.
What is $50,000?
Non-Borrowing Clients Limits.
A discretionary limit of $50 applies to overdraft for non-borrowing client relationships.
For DTL/PTL wraps, this is the maximum amortization and this is the minimum mortgage security amount needed (%) under this scenario.
What is....
up to a maximum of 20 years and request for this maximum amortization requires a minimum of 40% real estate security?
(L) Name an analysts that wrote/had approved TWO new GNB credits under BBHub?
You can get more points if you guess two of them, but if you guess more than 1 and get it wrong you'll loss point for wrong name(s)
Nidhi
Tyler
Corey Cassell (AM but will still get you points)
If an HRR case is triggered under BBPro, there are situations when we have to write a credit, situations when and e-mail credit is sufficient and situations when no credit is required and you only need up update HRR case in BBPro,. Under what circumstance do you only have to do a HRR Case update on BBPro.
Two documents that are required at minimum every 3 years when completing a Full Review.
What is a PNWS & PPSA Search?
The dollar level when a SLO is required on a corporate guarantee provided by an arm's length borrower.
What is $1 dollar and above?
ALL deals require a SLO: where a corporate guarantee is obtained and there is an arm's length relationship between the borrower and the corporate guarantor.
There is debt service result of 116% for a new facility request. What kind of exception is seen here? Does this change if the result is 115%?
Exception to Policy
And
NO
(K) Of all our associates, which associate was promoted into an analyst role the fastest this year?
Who is Katelynn Geissler?
If a Financial covenant is in breach and the file falls within internal limits. Would there be any circumstance where an email credit to CCRM would be needed?
What is the Borrower is in default of the same financial assessment covenant for > 2 consecutive testing periods and a waiver of written notification is being requested.
**I have seem analysts mark 1x , 2x, .. in row breach on CCS. This is a good practice on your internal CCS, to make sure teams has line of sign of back to back breaches.
When making a change to the Borrower Base Covenant (BBC), this document is required to be included with the credit submission.
What is Inventory Due Diligence template?
This effects the "no FC (financial covenants) Required" dollar threshold for Agriculture borrowers.
What is whether they are monitored by AAM or not?
<= $3,000,000 for borrowers on AAM and
<= $1,000,000 for borrowers that are NON AAM
Sole Proprietor requests funds to purchase adjacent property (which contains a home and acreage) to use as a primary residence. Under what circumstance would this be a personal purpose loan.
What is....
If the property has no substantial farming activity. In that scenario the loan will be considered a personal purpose loan and would be better suited for adjudication through the retail channel.
(C) The biggest team player judged by # of credits written for other teams.
**Analyst turned ACB (or maybe Associates turned ACB) do not get credit for team they are assigned to).
Who is Kylie?
With 13 credits written for other teams....
Examples of MACE Events are receipt of negative information, Material delinquent payments, regulatory investigations, material deterioration in performance. If we have knowledge of a MACE event for a CCRM file, we are required to escalate within how many days of notification of MACE event?
MACE: Material Adverse Change Escalation
What is 5 Business Days?
It can be done via an email credit utilizing MACE template or an interim credit.
The maximum advance inventory rate used in BBC for Grain Elevators.
What is up to 80%?
These types of TDEF facilities are limited to $1,800,00 in total no matter what the BRR is (0 - 5C).
What is standalone facilities?
Standalone TDEF Facilities: A TDEF facility is considered ' standalone' when TD Does not hold the operating company relationship. For both new and existing borrowers the $1,800 limit applies only when new or additional standalone exposure is being requested. Subject to: TDEF Product Polity, TDEF Prepared Credit Addendum and BRR 0-5.
What is...
Excesses above Branch Discretionary Limits that are expected to last less than 30 days.
Changes to Disbursement Conditions
Escalating covenant breaches and borrower base conditions (BBC) shortfalls.
Completing an AAM Program non-material High Risk Review (HRR) interim action. A non-material HRR is only meant to provide awareness of an updated to appropriate adjudication levels, document the trigger AAM event and does not include change in deal structure, change in brr or FRR, change to covenant or conditions, OR transfer to FRG.
Situation where an annual review is already in progress and close to submission, but where an urgent request must be escalated (e-mail to be documented in the Annual review within 30 days).
(M) The individual(s) who wrote their 1st ACE award during 2025.
Who is Sai and Tyler?
The BBHub platform ability to autogenerate Letter Agreements have been challenging. One of the issues is related to how the system reads (SPACEBAR) and interpretation of hidden code from coping and pasting from word documents.
There are 2 best practices in entering your covenants, permitted liens, and disbursement conditions into BBHub to increase chances of successful Letter agreement generation. What are they?
Points awarded for 1 correct answer and extra 100 pts for the 2nd.
What is utilizing {CR} vs spacebar and run your covenants through notepad. (i.e. copy and paste into note pad, then copy from there to paste in BBhub). Word document have hidden characters in them that creates issues in BBHub LA generation. Notepad appears to clean this up and increases chance of successful LA generating.
The maximum allowable prepayment privilege on a fixed rate loan per calendar year without penalty?
What is 10%?