Bankers Compliance Group | The Banking Community's Foremost Resource For Legal Services | BCG
shaking hands deposit slip work space loan application mortgage loan
Today is: November 15, 2018  

Compliance Companion®
Standard Procedures Manuals (SPM)

Commercial Real Estate Lending June 2018

This Manual covers the important issues that a financial institution should consider when making a commercial real estate loan or when taking commercial real estate as collateral. The scope of this Manual includes discussions of the following topics:

  • Due diligence requirements, including customer identification, verifying borrowers and guarantors, evaluation of real estate collateral, review of leases for income-property loans, environmental due diligence and hazardous waste laws, and federal and state forfeiture laws
  • Regulatory considerations, such as standards for safety and soundness, real estate lending standards, concentrations in commercial real estate lending, regulatory lending limits, appraisal regulations, flood insurance regulations, and California limitations and disclosures affecting hazard insurance
  • Structuring and documentation issues, including basic loan terms, creating a lien on real property, limitations of the one-action rule and the anti-deficiency rules on real property-secured loans, mixed collateral issues, bankruptcy issues affecting loan structure, and modifications and renewals;
  • Loan documentation;
  • Guaranties, such as the types of guaranties, basic principles of guaranties, defenses to the enforcement of guaranties and how to structure waivers of those defenses
  • Letters of credit as credit enhancements
  • Lender liability issues
  • Title insurance and other forms of insurance that should be required
The text of this Manual is 513 pages, plus 46 pages of appendices.


For information regarding Compliance Companion® online subscriptions or to order a hard copy of this Manual, contact or call at 949-553-0909. The cost of the hard copy is:

BCG Members

Initial Copy              $500
Additional Copy       $100


Initial Copy               $600
Additional Copy        $150

Sales tax will be added to the price of each Manual with shipping and handling inclusive.
Prices are subject to change without notice.

Back to List of Manuals

SPM 19
| Home | Contact | Sitemap |
Copyright © 2018 Aldrich & Bonnefin, PLC - All Rights Reserved