Main duties: Underwriting and processing loan applications; collecting and analyzing information which reflects the credit worthiness of applicant; monitoring loan repayment activities; completing the monthly various financial reports for both loan department and CB.

Loan servicers today face increasing regulatory and investor pressures to make sure they properly protect and preserve the integrity of their loan records. Data security and data integrity, unfortunately, are two often-overlooked aspects of loan servicing. Failure in either area is a recipe for reputation damage at best, and financial disaster, at worst. The goal of this paper is to provide loa...

This paper reviewed and analyzed the development of our nation’s loan loss provision system, then studied the relations of commercial bank loan loss provision and earnings management and capital management through empirical study. This paper selected 14 domestic commercial banks of year 2001-2009 as data sample, using Kanagaretnam et al.’s (2003) research method, dividing the loan loss provisio...

This paper studies the effects of interest rate restrictions on loan allocation. In 1714, the British government tightened the usury laws, reducing the maximum permissible interest rate from 6 to 5 percent. A sample of individual loan transactions from a goldsmith bank allows us to examine how interest rate restrictions affected loan allocation. Average loan size and minimum loan size increased...

For low-resource languages like Uyghur, data sparseness is always a serious problem in related information processing, especially in some tasks based on parallel texts. To enrich bilingual resources, we detect Chinese and Russian loan words from Uyghur texts according to phonetic similarities between a loan word and its corresponding donor language word. In this paper, we propose a novel approa...

I develop and estimate a model of expertise that weighs the tradeoffs of delegating loan decisions to loan officers. While loan officers can screen soft information, their preferences may distort decisions away from the lender’s objective. The model features rich heterogeneity (e.g. risk aversion, willingness to exert effort, and overconfidence) and addresses possible endogeneity with a natural...

This paper tests the influence of regulatory capital guidelines on the link between banks’ loan loss reserve decisions in 2007 and the risk of bank failure during the 2008-2009 economic crisis. Our primary finding is that larger loan loss reserve increases in 2007 are associated with an increased risk of bank failure in 2008-2009, but only for banks that are allowed to add back loan loss reserv...

The purpose of this study is to assess how information sharing offices affect loan price and quantity in the African banking industry. The empirical evidence is based on a panel of 162 banks in 42 countries for the period 2001-2011. From the Generalised Method of Moments, public credit registries decrease loan price. With instrumental Quantile Regressions, two main findings are established. Pub...