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OCC Compliance:  Loan Monitoring & PortfolioRisk

Loan Portfolio risk management is important part of managing borrowers financial and reporting documents for loan monitoring. Almost 70% of banks still rely on some combination of spreadsheets, core ticklers, or other manual processes.

Managing loan portfolio risk is a critical function of banking operations. Banks must ensure that loans are underwritten and managed in compliance with the Office of the Comptroller of the Currency (OCC) guidelines. However, managing loan portfolio risk can be a complex and time-consuming process, particularly when it comes to loan monitoring. Fortunately, OCC compliance can help banks streamline loan monitoring and reduce risk.

The OCC has issued guidelines on loan portfolio risk management to help banks identify and manage risk in their loan portfolios. These guidelines provide a framework for banks to monitor loan performance and identify early warning signs of potential default. Banks that comply with these guidelines are better equipped to manage risk and reduce the likelihood of loan losses.

Loan monitoring is a critical component of OCC compliance. Banks must continually monitor loan performance to identify early warning signs of potential default. This involves analyzing financial statements, credit reports, and other data to assess the borrower's ability to repay the loan. Banks that comply with OCC guidelines are better equipped to monitor loan performance and identify potential default risks.

Automated loan monitoring is becoming increasingly popular among banks, and for a good reason. Automated loan monitoring can provide banks with real-time insights into loan performance. This can help banks identify potential default risks early on and take proactive measures to mitigate those risks.

Furthermore, automation can reduce the risk of errors and ensure that compliance guidelines are being followed consistently. Banks can use digital banking platforms to automate loan monitoring and ensure that loans are underwritten and managed in compliance with OCC guidelines.

Another critical aspect of OCC compliance is document collection. Banks must collect and organize documentation from borrowers to ensure that loans are underwritten accurately. However, manual document collection can be a time-consuming and error-prone process. Digital banking platforms can provide tools to automatically collect and organize loan documentation, ensuring compliance with OCC guidelines.

In conclusion, managing loan portfolio risk is critical to the success of banking operations. OCC compliance plays a vital role in managing loan portfolio risk by providing guidelines for loan monitoring and document collection. By complying with OCC guidelines, banks can identify and manage potential default risks and ensure that loans are underwritten and managed in compliance with OCC guidelines. Digital banking platforms can help banks automate loan monitoring and document collection, reducing the risk of errors and ensuring compliance with OCC guidelines. Ultimately, banks that comply with OCC guidelines are better equipped to manage risk and reduce the likelihood of loan losses.

Why BankStride platform

  • BankStride is a web-based software solution for commercial banks and credit unions that works with customers to manage loan agreements and eliminate credit exceptions. FileStride improves credit exception management by reaching beyond the walls of the bank to work directly with customers.

  • BankStride is like autopay for customer information.

  • With BankStride, banking teams can schedule recurring requests for documents like financial statements and tax returns, compare actual and threshold covenant values (e.g. minimum DSCR), and send compliance certificates for signature via DocuSign.

  • Customers respond to information requests much like paying an online invoice – they clearly see what’s required of them and they act. Customers can respond using a login-less portal or by email – no account or password required.

How does this help banks

  • A borrower’s risk profile can change significantly over the years that follow a lending event. Managing loan agreement adherence through reporting and internal monitoring is an ongoing and tedious battle for banks. 

  • Banks that pursue superb loan agreement management are faced with handling complex recurring tasks using the basic tools of email, spreadsheets, and calendar ticklers. Banks that let this work fall behind risk delaying their awareness of problematic loans or operating practices, jeopardizing capital and reputation.

  • With BankStride, banks gain high-resolution loan agreement monitoring that saves time and delights customers.

How does our bank customer use BankStride

  • Our bank customer uses BankStride to schedule and automate the activities required to monitor loan agreements. 

  • For example, BankStride has proven effective in managing revolving lines of credit. BankStride  automatically requests and reminds customers to submit monthly AR and AP listings, inventory analyses, and borrowing base certificates each month. 

  • BankStride reminds the banking team to test various financial ratios. The results of the customer’s actions and the ratio testing all roll up to per-banker and per-office reports that can be run on-demand in seconds.

BankStride is powerful for bankers




  • Track financial reporting, covenants, and certificates.

  • Issue compliance certificates for signature via DocuSign.



  • Bank leadership can drill down to identify pockets of risk and underperformance.

  • Every member of the team knows where to focus.



  • BankStride supports one-off and recurring information requests.

  • Flexible storage layer configuration options available.


Easy for bank customers





  • Customers receive tokenized links that enable portal access.

  • Bankers can request information from anybody with an email address.



  • Easy to use customer portals show the customer exactly what is needed.

  • Email-based file ingestion enables customers to email files in response to requests.



  • Reminders and alerts are aggregated to prevent information overload.

  • Alerts can be toggled per-user.

  • Customizable reminder schedules.


Automate Bank customer information requests for covenant monitoring , loan reporting, financial reporting and exception handling.

FiStride allows you and your customers to exchange information with zero friction so that you can reduce credit exceptions and recover valuable time. 

Know what you have, know what you need.

Why BankStride?

We're the digital banking solution you've been waiting for.

We make it easy to automate your loan reporting and covenant monitoring. No more managing checklists, searching for files in emails, or waiting on updates from other parties. Just create your requests and let BankStride do the work for you. 

How it works

BankStride combines checklists with cloud storage to help you communicate and monitor your information requests and covenants.

All it takes to get started:

  1. ​Request items by creating projects for one-off items or templated lists.

  2. Review incoming files from your client and mark items as satisfied or complete.

  3. Repeat with automatically recurring requests and reminders.

Who it's for

BankStride is a solution for individuals, teams, and banks that need a better way to request information. We've facilitated thousands of customer relationships and transactions with teams in banking, accounting, consulting,  and advisory services, just to name a few. 


Bankers increase efficiency and improve loan risk and compliance with loan monitoring, reporting and exceptions.

Know what you have,
know what you need

Create recurring requests with status indicators, reports and automatic nudges that keep everybody in the know.

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Many ways in,
password optional

Customers have the option to send files through email or a login-less portal. Either way, we get the files where they need to go.

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Built to empower bankers

Track and monitor financial reporting, covenants, and certificates, and identify pockets of risk and non-compliance.

Structured for you and
your team

Add your colleagues with a single click, and manage access permissions so the whole team can get the job done. 

We've facilitated over 1,000,000 client interactions...and counting.

Who are we
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Seth J.

"BankStride has saved us tremendous time and effort by getting exactly the information we need."

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