Our services include:
On-site or Remote Loan File Review – Integrity Loan Review is dedicated to loan portfolio management within the community financial institution community. We work with you to understand any potential concerns within the loan portfolio and apply our proprietary process to review individual credit relationships for unidentified risk. Our approach to loan review is fully customizable to your needs and typically includes a review of the risk ratings, underwriting, collateral, policy and procedures and loan documentation to provide current feedback to management regarding the effectiveness of the credit process. We believe a credit file should largely speak for itself however we also appreciate the insights the loan officer or credit analyst may provide to further our understanding of the credit relationship.
To learn more about our Loan Review services, please read, download or print our Loan Review service sheet.
Loan Portfolio Due Diligence – Acquiring a bank or portfolio is a large undertaking that requires expertise to quickly and clearly cut through the issues. We have worked on over 30 due diligence projects to provide for a more comprehensive understanding of the nature and quality of the target loan portfolio. We understand our work may have a meaningful impact to the price or structure of an acquisition. Our efficient process is customized to support your leadership team with the knowledge they need to make the best investment decision. Our experience can assist you to best identify the scope of a due diligence project to provide for the most efficient use your time and money. We work with you to understand any potential concerns within the loan portfolio and apply our proprietary process to review individual relationships for unidentified risk.
To learn more about our Due Diligence services, please read, download or print our Due Diligence service sheet.
Risk Rating Methodology – Credit grading is a key component in assessing the relative health and performance of the overall loan portfolio. A consistent, objective and accurate methodology is critical to providing information to support the collectivity of the loan portfolio and the estimate for the allowance for loan and lease losses.
To learn more about our Risk Rating services, please read, download or print our Risk Ratings service sheet.
Credit Administration Consulting – Credit administration is a key department within a financial institution as it has a direct impact on the total loan portfolio. An effective and efficient credit administration department will enhance the credit process from the application process through the on-going management of the loan relationship. Operational risk is present in the loan portfolio through the credit administration process. A weakness in credit administration could ultimately lead to additional risk and potential losses in the loan portfolio. Policies and procedures should be in place to support the perfecting of liens, loan documentation, insurance coverage and property taxes, and other requirements approved as a part of the credit relationship.
We can help identify trouble spots in the credit administration process and assist with the enhancement of policies and procedures to improve the overall quality of the department.
To learn more about our Credit Administration Consulting services, please read, download or print our Credit Administration Consulting service sheet.
ALLL Validation – The allowance for loan and lease losses (ALLL) is one of the largest estimated items on the balance sheet. Implications for over-funding or under-funding the allowance can either impact shareholder value or expose the institution to additional risk or bring about additional regulatory scrutiny. Arriving at an appropriate ALLL requires significant management judgment to meet the current and anticipated risk of loss in the loan portfolio. This process should include sound documentation of both internal and external issues that may impact losses in the loan portfolio.
To learn more about our ALLL Validation services, please read, download or print our ALLL-Validation service sheet.