Assess Collaborate Implement
More than just a tagline, Bank Advisors understands the impact that each project, report, and interaction could have on the your Bank's day-to-day operations.
Outsourced Underwriting
CECL Model Validation
ABL Field Audits
Loan Review
Appraisal Review
Internal Audit/ALCO
Bank Strategic Planning
Bank M&A Services
Community Banks often experience times when additional credit analysis/underwriting assistance is needed, whether due to sudden personnel changes or temporary loan demand increases. We provide a unique, cost-effective approach to credit department workflow management that benefits from experience that far exceeds industry standards.Bank Advisors' underwriting experts can "plug in" to a bank's credit culture quickly and easily.
CECL requires substantially more user inputs than the historical ALLL model to evaluate credit losses on a forward-looking basis. Bank Advisors offers a cost-effective approach to CECL model validation to manage model risk and satisfy regulatory expectations. Bank Advisors will verify that your CECL model is being applied appropriately, evaluate the quality of the data input sources, and ensure that the model calculations and results are accurate.
Benefiting from direct lending experience, our audit experts provide clients a clear understanding of their borrower's operations and of their collateral. Our field audit reports employ a "deep dive", delivering the crucial analysis necessary for banks to make a prudent decision. Our team includes a Certified Internal Auditor as well Commercial Credit professionals with decades of variegated industry Field Audit expertise.
Loan Review services must result in a clear value-add, providing thorough, accurate analysis and concise recommendations. Bank Advisors goes beyond industry norms by delivering an analysis of loan strengths and weaknesses, appropriate risk rating assignment, accurate reserve recommendations, and potential documentation deficiencies.
The current regulatory climate, coupled with industry quality control objectives, have increased the focus on the appraisal review processes. Bank Advisors provides regulatory-compliant independent appraisal reviews. This service often goes hand-in-hand with other loan review needs, providing our clients with an additional level of expertise and scrutiny.
We assist our clients with the development, implementation, and monitoring of policies and procedures required to optimize the Bank’s Asset and Liability Risk management. Our Reviews and Audits provide the Board of Directors with a measure of the Bank’s adherence to those policies and procedure. Similarly, our services include the development and implementation of liquidity management policies and procedures, contingent funding strategies, risk limits, and stress testing.
Bank Advisors leverages decades of banking experience to assist your institution in developing a Strategic Plan that identifies institutional strengths, industry trends, and growth opportunities, all in a time tested format that is clearly communicated to and understood by your bank's board of directors and regulators.
With the recent increase in bank M&A activity, Bank Advisors has witnessed new opportunities to acquire community banks and also single branches where the merging banks geographically overlap. The endless tasks associated with diligence, regulatory approval, conversion, and integration can seem daunting for smaller organizations. Whether on the "Buy" or "Sell" side, Bank Advisors provides the project management skills necessary to secure regulatory approval and close your transaction.
Next Steps...
Bank Advisors would appreciate the opportunity to answer any question. We'd be happy to start with a quick call or email.