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Real Estate Lending is becoming the principal business activity for most credit unions. The loan portfolio is typically the largest asset and the predominate source of revenue. As such, effective management of the real estate loan portfolio is fundamental to credit union safety and soundness. Loan portfolio management is the process by which risks inherent in the credit process are managed and controlled. This risk is exaggerated when considering the historical decline in home values and the substantial increase in defaults. Portfolio Risk Analysis.pdf