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FinanceBoard & committee

Credit / loan committee meeting

60 minutes 5 blocks Free template

Review a credit memo, hear the relationship team, weigh the risks and vote to approve or decline, with minutes kept.

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By the end of this meetingThe committee has approved or declined the credit request on its risks and policy fit, and the decision is minuted.

60 min · 5 blocks, drawn to scale Fits exactly
  1. Credit memo: financials, credit history, risk evaluation, 10 minutesInfo 10
  2. Presentation by the relationship team and member questions, 20 minutesDiscuss 20
  3. Deliberation: credit, market, operational and recovery risk, policy fit, 20 minutesDiscuss 20
  4. Vote and sign-off, 5 minutes 5
  5. Minutes, 5 minutes 5
015304560 min
  1. +0′Credit memo: financials, credit history, risk evaluationTip: Members read the memo beforehand; use this time for a short recap.10 minInfo
  2. +10′Presentation by the relationship team and member questions20 minDiscuss
  3. +30′Deliberation: credit, market, operational and recovery risk, policy fit20 minDiscuss
  4. +50′Vote and sign-offHow do you vote on this credit request?5 minVote
  5. +55′MinutesTip: Examiners review loan committee minutes, so record the discussion and the decision.5 minWrap-up

Why it works

Built so the credit / loan committee meeting ends on time, with everyone in it.

  • Updates stay short

    10 minutes of updates with a visible clock. In a video call the speaker is spotlighted and the room is muted, so nobody talks over them.

  • Discussion with a clock

    40 minutes of open floor with a countdown everyone can see, and a talk-balance meter so the loudest voice doesn't take all of it.

  • A vote the whole room sees

    One tap each on a phone, live bars on the screen. A tick shows who has voted, never what they chose.

  • Wraps up on time

    Decisions and actions are read back, the summary is already written, and a finish on time earns the confetti.

How to run it

  1. 1Circulate the credit memo with financial statements, credit history and the risk evaluation before the meeting.
  2. 2Have the relationship or business unit present the request and take members' questions.
  3. 3Deliberate on credit, market, operational and legal-recovery risk, and on fit with credit policy.
  4. 4Take a clear approve or decline vote and record it with the sign-off.
  5. 5Keep full minutes; FDIC examiners review presentations to the loan committee and its minutes.

Questions about the credit / loan committee meeting

What does a credit committee decide?
It approves or declines credit requests above a loan officer's authority, based on a credit memo and risk analysis.
How long is a credit committee meeting?
The sources opened don't state a length or cadence. This template allows 60 minutes for one request.
What do examiners look at?
FDIC examiners review and assess presentations to the loan committee and its minutes, and check whether members are independent and qualified.

Built from

The structure, timings and tips on this page come from these sources.

  • fe.training
  • fdic.gov

Run it with your team

  • A countdown for every block on the shared screen
  • A video call that changes with each block
  • Check-ins and votes from every phone, no app
  • Decisions and actions in a scored summary

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