|dc.contributor.author||Tyson, Roy C., III||
|dc.description||vi, 83 p.||en_US
|dc.description.abstract||This 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.ispartof||Kalamazoo College Economics and Business Senior Individualized Projects Collection||
|dc.relation.ispartofseries||Senior Individualized Projects. Economics and Business.;||
|dc.rights||U.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.title||Reducing Commercial Charge-Offs in 1992||en_US
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