Services

Based on a predetermined scope and predetermine interval we will review the banks loan portfolio to insure that the loans approved and booked for that period meet the bank underwriting policies. We further insure that the loans will meet regulatory Safety and Soundness practices along with banking laws, rules and regulatory requirements. We also insure that the account officers are properly analyzing financial statements, tax returns and industry specifics when providing credit to a client to minimize the risk of loss to the bank.

In the ever changing world of banking and the mergers and acquisitions that continue to part of the industry, knowing the quality of the loan assets is an important part of the purchase offer. We provide an independent assessment and the quality of the loan portfolio to assist the buyer to understand the risk in which they may be purchasing and further provide information as to possible financial adjustments to the purchase price.

For most of our clients we provide a semi-annual or annual assessment of the banks Allowance for Loan and Lease Losses. This assessment includes an analysis of the adequacy of the loan loss reserve based on the quality of the banks loan portfolio. The process includes a review to insure that FAS 5 and FAS 114 are correctly being applied. We further provide an analysis and logic of the banks methodology of the loan loss reserve process and report to the Board our results.

Should the unfortunate event happen where a bank requires an expert witness in Court relative to banking and lending, we provide this service. The service ranges from providing expert testimony as to the banking standard for interest rates, terms or underwriting practices based on our experience of what the industry provides. When a loan is in default, a borrower seems to believe the bank treated them differently and unfairly based on what other banks would have done under the same circumstances. We have vast sources to obtain industry standards when needed to help build a clients case in court.

Lending against accounts receivables and inventory through a daily monitoring system is a very personnel intensive lending program. Bank personnel need to be very experienced and trained to insure the risk of loss is limited and need to be aware of the potential risk of fraud common to this type of lending. We provide a review of the process and controls and provide a report to the Board and Management of our results.

Special projects are not limited, although it includes performing an analysis and providing the Board and Management the results of the study of how to better process a loan request through a system that appears to be weighted down with unnecessary obstacles. We will provide a written report of our findings and where needed provide recommendations how to improve the process. We will also determine if the current loan staffing levels are adequate and are the staffing levels in the correct areas of the lending process.