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Risk Rating

Credit risk is the primary financial risk in the banking system and exists in virtually all income-producing activities. How a bank selects and manages its credit risk is critically important to its performance over time. Identifying and rating credit risk is the essential first step in managing it effectively.

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Rating Credit Risk (Comptroller's Handbook, April 2001)
Covers credit risk management systems, risk ratings, and credit classification


Classifications of Securities: Uniform Agreement on the Classification of Securities (OCC 2004-25, June 2004)
Covers how the federal financial regulatory agencies classify securities during examinations

Interagency Definition of Special Mention Assets (BB 1993-35, June 1993), Interagency Guidance
Covers the definition of special mention assets as agreed to by the federal financial regulatory agencies