Classified loans have failed to meet acceptable credit standards according to bank examiners. The credit quality has essentially declined since initial approval was granted. This type of loan has a high rate of borrower default, and raises the cost of borrowing money for the other customers.
неблагополучний кредит; непродуктивний кредит; кредит, поставлений на контроль; кредит у категорії "неблагополучних"