title = "Loan Grading and Risk Rating Systems"

content = """
Silver Oak Bank utilizes a standardized Risk Rating system to categorize the
quality of its loan portfolio. These ratings directly impact the amount of
capital the bank must set aside as a 'Reserve for Loan and Lease Losses' (ALLL).

**Common Risk Rating Scale:**
- **Pass (1-4):** Loans to strong borrowers with consistent cash flow and
  excellent collateral.
- **Watch (5):** Loans showing early signs of stress, such as declining margins
  or industry headwinds, but still performing.
- **Special Mention (6):** Loans with defined weaknesses that, if uncorrected,
  may result in deterioration of repayment prospects.
- **Substandard (7):** Loans where the primary source of repayment is in
  jeopardy, and the bank may need to rely on collateral liquidation.
- **Doubtful/Loss (8-9):** Loans with a high probability of non-repayment or
  total loss.

Ratings are reviewed at least annually, or more frequently if a 'Trigger Event'
(e.g., covenant breach or large loss) occurs.
"""

version = "0.0.1"
