COMMERCIAL CREDIT
We evaluate, review, and make recommendations on loan quality and compliance related to commercial lending, as well as confirm the bank’s internal risk ratings
- Establish a loan review scope of sufficient coverage in order to determine the overall quality of the portfolio and meets policy, regulatory and external auditor requirements
- Provide management and the board of directors a written report summarizing the results of our review
- Assess repayment risk of each borrower reviewed that is then presented in a user-friendly format
- Perform a confirmation of bank’s internally assigned risk ratings
- Make recommendations for improvement in loan underwriting, monitoring and supervision, if necessary
- Evaluate compliance with laws, regulations and policy as related to commercial lending
LOAN REVIEW
Providing full service, complete outsourcing of your bank’s loan review function and the option for an independent review of your bank’s municipal loan and bond portfolios.
- Complete outsourcing of loan review function
- Assist the bank’s loan review department on an as-needed basis
- Perform due diligence work on acquisitions
- Special projects on specific areas of portfolio such as evaluating compliance with the Uniform Retail Credit Classification and Account Management Policy
- Independent review of your bank’s municipal loan and bond portfolios
- Measuring for impairment under ASC 310
- Estimating credit losses under ASC 450
- Perform ALLL Model Validation
RETAIL CREDIT
Evaluate a sample of residential mortgages, installment loans and home equity lines of credit for compliance with the bank’s consumer loan underwriting policies
- Evaluate a sample of residential mortgages, installment loans and home equity lines of credit for compliance with the bank’s consumer loan underwriting policies
- Confirm ratings assigned for loans subject to criticism under the Uniform Retail Credit Classification and Account Management Policy through review of individual credits
- Review application, loan documentation and collateral for completeness
- Track exceptions to the bank’s debt-to-income guidelines, income verification, loan-to-value policy, and credit scores
- Our experienced staff is committed to foster long-term relationships and provide quality service in a cost effective manner
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