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Asset-Based Lending, Comptroller's Handbook

Safety and Soundness Office of theComptroller of the CurrencyWashington, DC 20219 comptroller s Handbook Management (M)Earnings (E)Liquidity(L)Sensitivity toMarket Risk(S)OtherActivities(O)AssetQuality(A) CapitalAdequacy(C)A-ABLA sset- based LendingVersion , March 2014 Version , January 27, 2017 Version comptroller s Handbook i Asset-Based lending Contents Introduction .. 1 Overview .. 1 Advantages .. 2 Disadvantages .. 2 ABL Structures .. 3 Risks Associated With ABL .. 4 Credit Risk .. 4 Operational 5 Compliance Risk .. 5 Strategic Risk .. 6 Reputation Risk .. 6 Risk Management .. 6 Loan Policy .. 7 Borrower Analysis .. 7 Establishing the Borrowing Base .. 15 Term Loans .. 21 Controls .. 21 Third-Party Guarantees or Insurance .. 25 ABL Administration.

“Asset-Based Lending,” provides guidance for bank examiners and bankers on asset-based lending (ABL) activities. The booklet is one of several specialized lending booklets and supplements guidance contained in the “Loan Portfolio Management” booklet, as well as the

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