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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 .. 26 Purchasing Participations in ABL Transactions.

“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 “Large Bank Supervision” and “Community Bank Supervision” booklets.

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