ISM Final Presenation

Interbank Loan Exchange Platforms

Ali Ahmed
*some information in this presentation comes from outside sources*
Introduction
My name is Ali Ahmed
Spring Semester 2015
ISM 6th period
Mrs. Click
What is ISM?

Independent Study Mentorship

Choose a field of study

Choose mentor in desired field

Create project with guidance from Mrs. Click and mentor

Mentor and Site

Integrity Bank

Community bank since 2007

Large focus on provision of business loans to small to medium businesses in the Greater
Houston Area
Mr. Hazem Ahmed (Executive VP)

One of the first employees of the bank in 2007

Maintains the largest loan portfolio and manages the Pasadena branch of the bank
Professional Field

Financial Services

Commercial and Real Estate Loans

Lines of Credit: Working, Balloon, etc.
Underwriting
Notes of participation
Topic

Creating means of growth in the community

Purpose

To gain exposure to the financial world

To develop experience in business strategy

To develop research skills and knowledge of financial and business models

Key Points

Research

Resources

Outline Proposal

Final Product

Research

Master Underwriting Process

The Banks Loan Policy

Internal Financial Documents

Income Statements
Balance Sheets

Identify Problem in Marketplace

Determine and Prove Need

FDIC UBPRs

Define Market

Prototype and Justify Marketplace Idea

Projected Economic Growth

Resources

Databases

School Provided or otherwise

Public Records

FDIC Bank Records

Models

Interest Rate Sheet

Algorithmic Problem Solving

Survey Data

Independently done survey

Identifying Problem in Market

Underwriting Process

Loan Policy

Understanding of Critical Ratios

DSC
L2V

Degrees of liquidity in collateral

Loan amortization

Guarantor

Financial history

Determining and Proving Need

The best way to determine and prove need for a loan exchange platform is to look at the l2d
ratio in rural v urban banks

Rural Banks

Urban Banks

Defining Market

A key component to developing a product is defining a market.

The markets needs determines multiple facets of the product that include but not limited to

User friendliness
Method of delivery
Functionality

Prototype of Product

Product Justification

Point 1

Point 2

Point 3

Point 1
Point 2
Point 3
Product

Research paper that outlines the results of research conducted and appropriate business
response

Define proposed product:

Define market of product:
Determine the underwriting process for product
Develop market model.
Brainstorming Process
Points of Development

Function

Delivery

Revenue

Fuction

Algorithm

Delivery
Revenue
So What Factor

Justification of the previous slides

Weebly

[Weebly URL Here]

Thanks

Mrs. Click &Mr. Ahmed

Bibliography

"FFIEC UBPR Home Page." FFIEC UBPR Home Page. N.p., n.d. Web. 20 Feb. 2015.