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CECL analysis of the Loan and Lease Loss Analysis for back testing and assumptions and recommends efficiency and model validation.

Credit Analysis

Complete credit analysis for origination and annual reviews contracted. We become your outsourced credit analyst.

Loan Reviews

Proactive annual or bi-annual (S/B loan) review while improving systems and processes to create efficiencies in the lending and credit admin department. 

Executive Coaching

Retainer-based services for questions that arise along the way.

We help banks mitigate loan portfolio risk to save hundreds of thousands each year and ensure safe and sound lending practices. With over 150 years of banking experience, we have helped over 50 community banks save $1M+ using our proven process. We can provide similar results, guaranteed.

Helped resurrect loans from going bad to profitability numerous times.

Helped banks identify structural problems in the customer’s balance sheet increasing the probability of positive cash flow on loans.

Improved systems and processes in underwriting for better credit quality.

Identified errors in monitoring systems where customers were misleading the bank on borrowing bases and mitigated losses from occurring and the bank overlending on lines of credit.

Made several suggestions to banks in their pricing model thus adding multiple six figures to the bottom line.

Provided strategic planning facilitation to banks where their ROA increased over 50 basis points.

Improved ALLL and CECL methodology that saved several clients multiple six figures in provisions.

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