Loan Review
- Third party independent Loan Review
We sample your loan portfolio and review files individually for proper loan grading, current financial information, collateral value, cash flow, management experience, etc. We test that the loan terms approved are the same as what was booked on the loan system. The sample size is determined in part by a combination of bank management’s input, a loan’s risk rating, loan officer experience, loan size and concentrations in the portfolio. We stay current with FDIC and OCC rulings and proposals related to the loan portfolio. - Documentation Review
Review of documentation for proper execution and lien perfection. - Credit Approval Process
Examination of the entire process from loan underwriting and approval, booking, portfolio monitoring to problem loan management and give you independent feedback on the efficiency and efficacy of the process currently employed. - Portfolio Management Review
Examination of your ongoing loan portfolio review process for completeness, timeliness,
and appropriateness. - Credit Policy Review
Examination of your existing loan policy and recommend improvements for clarity, best practices, and market trends.