Show simple item record

dc.contributor.advisorGilles, Blaine
dc.contributor.authorTyson, Roy C., III
dc.descriptionvi, 83 p.en_US
dc.description.abstractThis paper examines important factors that should contribute to First of America Bank-Michigan success in 1992 with respect to commercial loan quality and profitability. Over the last 5 years reviewed, commercial loan income consistently contributed over 30% of the bank's total revenue. For this reason, and for the purpose of avoiding a complex analysis, the focus in this paper is on commercial loan income holding all other income sources constant. In 1992, commercial lenders and commercial credit analysts look to four significant factors that are crucial to the departments success. First, they plan to increase their loan loss recovery efforts in order to attain a low net charge-off ratio. Secondly, they plan to monitor commercial loans more frequently and more strictly. Thirdly, they plan to modify the bank's lending zone in an effort to increase commercial loans. Finally, they will assess the bank's profit and loan potential based on a 1992 industry forecast for their top 8 lending industries. Section I presents information about the commercial loan department with respect to 1991 financial highlights; the 1991 lending policy; the loan portfolio diversification in 1991; and also information about the economic strength in the Midwest. Thereafter, management's 1992 plans concerning the loan loss recovery department, lending policy, and delineation are presented. Section II and Ill discuss the internship part the S.I.P. and how it has enhanced my knowledge about business.en_US
dc.relation.ispartofKalamazoo College Economics and Business Senior Individualized Projects Collection
dc.relation.ispartofseriesSenior Individualized Projects. Economics and Business.;
dc.rightsU.S. copyright laws protect this material. Commercial use or distribution of this material is not permitted without prior written permission of the copyright holder.
dc.titleReducing Commercial Charge-Offs in 1992en_US
KCollege.Access.ContactIf you are not a current Kalamazoo College student, faculty, or staff member, email to request access to this thesis.

Files in this item


This item appears in the following Collection(s)

  • Economics and Business Senior Integrated Projects [1198]
    This collection includes Senior Integrated Projects (SIP's) completed in the Economics and Business Department. Abstracts are generally available to the public, but PDF files are available only to current Kalamazoo College students, faculty, and staff.

Show simple item record