Our credit risk management services help banks and credit unions identify, monitor, and manage risk across the credit portfolio. Whether you need independent loan review coverage, added capacity, or deeper analysis, our loan review consultants deliver practical insights to help strengthen loan quality and governance.
No matter what brings you to the table—whether you need a fresh perspective or have a specific need—here’s how we can support you.
Full Outsourcing
Need independent loan review coverage but feeling constrained by internal capacity, especially ahead of an exam, during rapid growth, or when criticized trends are climbing? We can help carry that load.
What We Do
- Gauge the level of repayment risk of selected borrowers
- Evaluate the accuracy and consistency of assigned risk grades
- Provide data to help management understand the loan portfolio’s overall quality
- Deliver practical recommendations to help strengthen credit risk management and loan review outcomes
What Our Work Enables
- Independent loan review conclusions and risk grade validation
- Portfolio-level themes and trend analysis, including exceptions, emerging risk, and concentrations
- Actionable recommendations prioritized by risk and impact
Co-Sourcing
Want to finish targeted reviews or close capacity gaps without changing your operating model? We co-source to support your internal loan review team either by helping you handle defined projects within your scope or by providing staff you direct day to day.
What We Do
- Carry out targeted loan review projects as part of your plan
- Provide experienced loan review staff directed by your internal team for added coverage, flexibility, and focused support
What Our Work Enables
- On-time completion of targeted reviews and your overall loan review plan
- Flexible project capacity or staff augmentation directed by your team
- Consistent workpapers, clear conclusions, and actionable insights for credit leadership
Annual Reviews
Annual reviews are time-consuming, and backlogs can lead to inconsistent analysis, delayed risk grade updates, and reduced line-of-sight into emerging borrower risk. Our team can work alongside your internal credit staff to help prepare annual reviews for selected borrowers.
What We Do
- Cash flow analysis
- Risk grade matrix completion
- Collateral and covenant reviews
- Other pertinent credit risk assessments
We can use your internal forms or our proprietary templates to fit your process and documentation standards.
What Our Work Enables
- Faster completion of annual reviews with consistent analysis and documentation
- Better-supported risk grade decisions and clearer borrower-level visibility
- Added capacity for your team—without sacrificing alignment to internal policy and templates
Assistance With Loan & Lease Securitizations
Preparing loans and leases for securitization can strain internal resources, and gaps in performance metrics or collateral documentation can slow timelines and raise execution risk. We help keep things moving.
What We Do
- Gauge key financial metrics
- Evaluate collateral loans and leases documentation to assist with securitizations
What Our Work Enables
- Faster identification and resolution of documentation gaps and data issues
- Greater confidence in pool quality and consistency across selected loans and leases
- Smoother securitization execution with clear findings your stakeholders can use
Due Diligence
Considering an acquisition or sale and need a clear view of credit risk before you move forward? We help bring that picture into focus.
What We Do
- Perform an analysis of a potential acquisition target
- Look at the credit risk of selected borrowers and summarize our findings
What Our Work Enables
- A focused view of portfolio quality, risk grades, and potential problem credits
- Identification of documentation, underwriting, policy, or process gaps that could impact value or execution
- A clear summary of key findings and credit risk considerations to support go/no-go decisions and pricing
Assistance With Credit Administration Practices
Are policy exceptions, concentration risk, or inconsistent underwriting and monitoring creating avoidable credit risk and exam pressure? We help you tighten the gaps.
What We Do
We look closely at your:
- Policies
- Underwriting practices
- Monitoring effectiveness and timeliness
- Risk identification
- Problem loan workout strategy
- Structure of borrowers
- Concentration management
What Our Work Enables
- Clear, practical recommendations to help strengthen policy, underwriting, and ongoing monitoring
- Better identification and escalation of emerging risk before issues become criticized or classified trends
- Greater visibility into concentration risk and actionable steps to enhance concentration management
- More consistent borrower structuring and workout strategies supported by stronger governance and documentation
Internal Loan Review Functions Review
Need independent support that your internal loan review program is identifying risk accurately and meeting regulatory expectations? We can provide that perspective.
What We Do
- Look at your current procedures and processes
- Gauge the current level of risk
- Consider how effective you are at identifying risk
- Offer re-performance testing of your internal loan review workpapers
What Our Work Enables
- Independent validation of internal loan review conclusions, risk identification, and risk grade accuracy
- Clear findings on gaps in scope, methodology, sampling, and documentation aligned to regulatory expectations
- Stronger workpaper quality and consistency to support management reporting and exam readiness
- A prioritized action plan to help improve governance, consistency, and overall effectiveness of your internal loan review function
Collateral Documentation Testing
Do collateral documentation gaps, lien perfection issues, or inconsistent file quality create risk that could surface during exams, audits, or a workout? We help you find and close those gaps early.
What We Do
We evaluate loan files to confirm that:
- Collateral documents are present
- Documents are executed within regulatory standards
- Documentation lines up with credit approval, policy requirements, and lien perfection standards
We also flag documentation deficiencies or exceptions that may:
- Affect collateral enforceability
- Increase credit risk
What Our Work Enables
- A clear view of missing, improperly executed, or inconsistent collateral documents across tested files
- Earlier identification of lien perfection and enforceability issues so they can be remediated proactively
- Reduced operational and compliance risk through more consistent documentation standards and tracking
- Actionable exception reporting and prioritization to help your team close gaps efficiently
Assistance With SBA Portfolios
Are you in compliance with SBA 7(a) standard operating procedures (SOPs)? We help you find out.
What We Do
- Compare SBA loan files against SOP requirements, using standardized checklists to identify missing or deficient documentation that could affect guaranty enforcement
What Our Work Enables
- Confirmation that loans were originated, underwritten, closed, serviced, and liquidated in strict accordance with SBA guidelines
- Identification of any deficiencies that could affect the SBA guaranty
- Clear findings and recommendations to improve file documentation and protect against “denials” or “repairs”
