Mrs. Jacobs

In an effort to provide a more formal and realistic training environment for all lenders and to provide a more structured process for evaluating credits, Houston Community Bank is implementing a new loan approval process and a new Officers Loan Committee. The information and training garnered from this new Committee will also serve as a tool to strength our credit skills and provide more uniform credit analysis. The following policy and procedure will become effective on October 20, 2003.

Membership in the Officers Loan Committee consists of every loan officer and credit analyst(s).
Each loan officer may approve an extension of credit or the renewal of existing loans to borrowers whose aggregate indebtedness does not exceed the loan officers’ current lending authority. Please refer to the attached lending author...