Loan Review Mechanism and Active Portfolio Management

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Loan Review Mechanism and Active Portfolio Management - Article

This article explains the Loan Review Mechanism (LRM) and Active Credit Portfolio Management (ACPM) as complementary tools for controlling credit risk after loan origination. It covers independent credit review, portfolio-quality assessment, rating validation, early identification of weaknesses, concentration control, portfolio rebalancing, loan transfers and securitisation. The focus is on CAIIB theory, practical banking application and common exam traps.

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