Sba sop 51 00 On-Site Lender Reviews/Examinations Office of Lender Oversight
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SBA SOP 51 00 _______________________ On-Site Lender Reviews/Examinations Office of Lender Oversight U.S. Small Business Administration 
Table of Contents Chapter 1. Introduction 9 1. Purpose of this Standard Operating Procedure 9 2. Notice of Implementation 10 3. Authority 10 4. Applicability 10 Chapter 2. Risk-Based Lender Reviews and Examinations 12 1. Overview 12 2. Definitions for Risk-Based Lenders Reviews and Examinations 12 a. Definitions 12 b. Performance Rates 15 c. Credit Quality Rates 16 d. Active Purchase Rates 17 e. Peer Groups 18 3. Objectives for Risk-Based Lender Reviews and Examinations 18 4. Approach to Risk-Based Lender Reviews and Examinations 19 5. Relationship to Lender Oversight Program 20 6. On-site Lender Review/Examination Program 20 7. Risk-Based Review Components 21 a. Portfolio Performance 21 b. SBA Management and Operations 22 c. Credit Administration 22 d. Compliance 22
a. Capital 23 b. Asset Quality 23 c. Management 24 d. Earnings 24 e. Liquidity 24 f. Compliance 25
a. Acceptable Category 26 b. Acceptable with Corrective Actions Required Category 27 c. Less than Acceptable with Corrective Actions Required Category 29 10. Disclosure of Assessment Category 31 11. Use of Review/Examination Results 31 12. On-Site Lender Review/Examination Process 31 a. Review/Examination Team 31 b. Review/Examination Scheduling and SBA Lender Notification 31 c. Scope of the Review/Examination 32 d. Review/Examination Planning 33 e. Review/Examination Plan Responsibility and Preparation 35 f. Sources of Information for Plan Development 36 g. Loan Sample Composition and Selection 36 h. Plan Format 37 i. Review/Examination Team Composition 37 j. Conducting the On-Site Review/Examination 39 k. Work Schedules 43 l. Conduct 43
a. Workpaper Forms 49 b. Organizing Workpapers 50
a. Review/Examination File 51 b. Active Review/Examination File 51 c. Permanent File 52 d. Retention Schedule 52 e. Loan Files with Material Deficiencies and/or Suspected Fraud 52 19. Distribution of Report 53 20. SBA Lender Response and Corrective Actions 53 21. Appeal of Assessment 54 22. Quality Control 54 23. Cost of Reviews 54
a. Introduction 55 b. Review Criteria 55 c. Review Objectives 56 d. Review Procedures 56 3. SBA Management and Operations Review Component 59 a. Introduction 59 b. Review Criteria 59 c. Review Objectives 60 d. Review Procedure 61
a. Introduction 63 b. Review Criteria 63 c. Review Objectives 63 d. Review Procedures 66
a. Introduction 71 b. Review Criteria 71 c. Review Objectives 71 d. Review Procedures 72
Regulated Lender Examinations 77
4. Capital Examination Component 81 a. Introduction 81 b. Examination Criteria 82 c. Examination Objectives 87 d. Examination Procedures 87 5. Asset Quality Examination Component 88 a. Introduction – Loan Portfolio Management Subcomponent 88 b. Examination Criteria – Loan Portfolio Management Subcomponent 89 c. Examination Objective – Loan Portfolio Management Subcomponent 93 d. Examination Procedures – Loan Portfolio Management Subcomponent 93 e. Introduction – Portfolio Performance Subcomponent 96 f. Examination Criteria – Portfolio Performance Subcomponent 97 g. Examination Objective – Portfolio Performance Subcomponent 97 h. Examination Procedures – Portfolio Performance Subcomponent 97 i. Introduction – Credit Administration Subcomponent 100 j. Examination Criteria – Credit Administration Subcomponent 101 k. Examination Objective – Credit Administration Subcomponent 102 l. Examination Procedures – Credit Administration Subcomponent 103 m. Introduction – Asset Classification Subcomponent 105 n. Examination Criteria – Asset Classification Subcomponent 106 o. Examination Objective – Asset Classification Subcomponent 112 p. Examination Procedures – Asset Classification Subcomponent 113 q. Introduction – Allowance for Loan Losses Subcomponent 115 r. Examination Criteria – Allowance for Loan Losses Subcomponent 115 s. Examination Objectives – Allowance for Loan Losses Subcomponent 118 t. Examination Procedures – Allowance for Loan Losses Subcomponent 118 u. Introduction – Asset/Liability Management Subcomponent 120 v. Examination Criteria – Asset/Liability Management Subcomponent 120 w. Examination Objectives – Asset/Liability Management Subcomponent 125 x. Examination Procedures – Asset/Liability Management Subcomponent 125 y. Introduction – Valuation/Accounting for Servicing Rights, Assets & Residual Interests Subcomponent 127 z. Examination Criteria – Valuation/Accounting for Servicing Rights, Assets & Residual Interests Subcomponent 128 aa. Examination Objectives – Valuation/Accounting for Servicing Rights, Assets & Residual Interests Subcomponent 128 ab. Examination Procedures – Valuation/Accounting for Servicing Rights, Assets & Residual Interests Subcomponent 128
a. Introduction – Management and Operations Subcomponent 130 b. Examination Criteria – Management and Operations Subcomponent 131 c. Examination Objectives– Management and Operations Subcomponent 133 d. Examination Procedures– Management and Operations Subcomponent 134 e. Introduction – Internal Controls Subcomponent 135 f. Examination Criteria – Internal Controls Subcomponent 136 g. Examination Objectives– Internal Controls Subcomponent 139 h. Examination Procedures– Internal Controls Subcomponent 140
a. Introduction 142 b. Examination Criteria 143 c. Examination Objectives 145 d. Examination Procedures 146
a. Introduction 147 b. Examination Criteria 148 c. Examination Objectives 150 d. Examination Procedures 150
a. Introduction 151 b. Examination Criteria 152 c. Examination Objectives 152 d. Examination Procedures 152
a. Introduction 157 b. Review Criteria 157 c. Review Objectives 158 d. Review Procedures 158 3. SBA Management and Operations Review Component 161 a. Introduction 161 b. Review Criteria 161 c. Review Objectives 161 d. Review Procedure 162
a. Introduction 167 b. Review Criteria 167 c. Review Objectives 167 d. Review Procedures 169
a. Introduction 174 b. Review Criteria 174 c. Review Objectives 174 d. Review Procedures 175
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