Bank Advisors Ltd. is a uniquely qualified bank consulting firm that provides a comprehensive menu of services needed to accurately evaluate and manage a loan portfolio, and to successfully navigate today's regulatory environment. Here is a summary of the services we provide to our clients.
Asset Quality Assessment and Compliance - Assistance with ongoing regulatory requirements and specific regulatory orders, including ALLL Development, FAS 114 Analysis, Risk Rating Review, Criticized Asset Reporting, Loan and Appraisal Policy Review, and Bank Management Studies. Bank Advisors' exceptional reputation with the regulatory agencies enables us to act as a direct liaison for our clients.
Appraisal Review - 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.
External Loan Review & Due Diligence– Specific regulatory orders, internal staffing constraints, and pending capital events are the typical drivers for Bank Advisors' External Loan Review and Due Diligence services. We understand the importance of a detailed and accurate analysis and concise recommendations. Our reviews provide an analysis of individual loan strengths and weaknesses, appropriate risk rating assignments based on specific loan policy, accurate reserve recommendations, and potential documentation deficiencies. Bank Advisors represents commercial banks, independent and institutional investors, and investment banks.
Outsourced Underwriting - Community Banks often experience times when additional credit analysis/underwriting assistance is needed, whether due to sudden personnel changes or temporary loan demand increases. Bank Advisors' underwriting experts can "plug in" to a bank's credit culture quickly and easily. Also, the experience level of our team members often exceeds that of a typical bank credit analyst.
Branch Acquisition/Disposition Project Management - With the recent increase in bank M&A activity, Bank Advisors has witnessed new opportunities for third-party banks to acquire 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. Bank Advisors' banking professionals offer a turn-key solution to the multi-faceted aspects of a bank branch acquisition or disposition.
Internal Audit & Audit Risk Assessments - Bank Advisors will assist with establishing an audit committee reporting mechanism, and monitoring processes that enable effective oversight. We help develop and establish internal audit methodology, policy and procedures, internal audit tools, and reporting standards.
Our Audit Risk Assessments are designed to identify the areas considered to have the greatest potential risk to the bank. The assessments identify and prioritize key areas of potential risk and opportunity. These key areas establish the basis for the bank in developing its internal audit plan. Each plan is unique to the bank and developed from the input of the audit committee and management.