Loan Review
Our approach to loan review goes beyond risk rating validation and takes into consideration all areas of the lending process and will include an assessment of underwriting, portfolio management, loan operations and problem loan management.
Our approach to credit review follows regulatory expectations and includes four distinct phases:
Planning / Engagement Letter
File Review
Closing Meeting with Management
Final Report
Each phase of the loan review is critical to the successful and timely completion of the engagement and provides insurances that all deliverables have been met. Communication is a key component throughout the engagement and will be emphasized by both the engagement manager and consultants.
At the conclusion of our review, we will provide management a narrative report with a summary of our key findings, including trends or observations identified during the review in the areas of credit underwriting, portfolio management, risk rating accuracy and problem loan management. We will also provide best practice recommendations to enhance your process when appropriate.
Our narrative report and exit meeting discussion will be beneficial to both management and the Board of Directors in assessing strengths and weaknesses and setting goals for the lending team.