Culture Book 2024

HOW BWB OPERATES

LOANS Funds that are borrowed

DEPOSITS Funds that are held

Professional Services

Lending

CLIENT DISCOVERY Referrals + Inquiries + Outreach

CLIENT DISCOVERY Referrals + Inquiries + Outreach

Treasury Management

Professional Services

Professional Services

Deposit Services

Treasury Management

INITIAL UNDERWRITING Underwrite for Loan Approval

CONSULT & ONBOARD Open Accounts + Offer Products

Credit

Lending

Deposit Services

LOAN COMMITTEE Review Loan Requests for Approval

Credit

Loan Admin.

LOAN DOCUMENTATION & CLOSING Prepare Documentation, Review Due Diligence, Close + Book

Deposit Services

Professional Services

Operations

Treasury Management

ONGOING CLIENT SUPPORT Online & In-Person Banking, Wire Transfers, Etc.

RELATIONSHIP MANAGEMENT

Professional Services

Loan Admin.

Lending

Monitor + Maintain

Deposit Services

RELATIONSHIP MANAGEMENT Monitor + Maintain

CLIENT SUPPORT Loan Modification + Servicing, Etc.

Deposits = Primary Funding Source

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For Internal Use Only 25