Everyone inside and outside our industry is aware that there are plenty of credit concerns around us these days. One thing that the industry has demonstrated time and again is a tendency to focus on one thing at a time. Looking closely at some of the loans on your books can mean trouble if it means you are not paying attention to the rest of your business. When credit quality problems become common, there is a flurry of training activity, policy revision, and employee communication. Tightening policy and updating training will be much more powerful in the context of a strong overall approach to problem loans.
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