If the banking industry changes the method it uses to evaluate loans, the biggest risk to co-op shareholders will come in the refinancing of existing loans, financial intermediaries say.

To ease the latter worry, Mr. Brady told regulators not to use "unrealistically negative scenarios in evaluating loans."

Institutions with a decent track record are better able to control costs and more efficient at evaluating loans while a larger loan book will generate economies of scale.

Don't use unrealistically negative scenarios in evaluating loans.

IT is not quite the same as sitting in a corner office evaluating corporate loans, but Mary Sykes would not trade her current clients for anything.

Most mortgage lenders will evaluate loans in their portfolio to identify borrowers who may meet the eligibility criteria.

Present value calculations, and similarly future value calculations, are used to evaluate loans, mortgages, annuities, sinking funds, perpetuities, and more.

One of Local Federal's board members grew up in New York, and often helps the Oklahoma bank evaluate loans.

The benefit of co-financing is that the World Bank is far more experienced in evaluating such loans, and the Japanese can rely on its judgments.

Reorganized Lending Practices Lending activities have also been reorganized so that all parts of the company are now following the same standards in evaluating new loans.