Credit Risk Management
In the constantly changing banking industry, credit risk management continues to be a significant area of concern. Over the past 25 years, we have assisted our clients in managing the credit volatility of their loan portfolio. Our services include the following:
Independent Loan Review
Our experienced Subject Matter Experts use our internally developed Loan360X application to capture relevant loan data and help facilitate the loan analysis function.
- Provides individual assessment of relevant loan factors or “credit drivers”
- Determines individual and aggregated credit risks and overall composite loan portfolio ratings
- Includes extensive comparison of the Bank’s portfolio to its peer group
- Provides a global perspective of credit risk ratings for each reviewed loan
Allowance for Loan and Lease Losses
We have partnered with TXB, LLC to license CECL360 – a web based software solution designed to address the full spectrum of FASB’s new CECL standard for ALLL reserve calculation.
Credit Risk Advisory Services
Our experienced credit specialists are pleased to provide the following additional services:
- Loan Portfolio Stress Testing
- Underwriting Analysis
- Due Diligence Portfolio Acquisition Review
- CECL Application Model Validation
- Loan Policy and Procedures