Browse Our Diverse Range of Financial Services
Credit Dynamics & Design, LLC specializes in the design and development of comprehensive and innovative financial strategies. Our seasoned professionals use the power of technology to deliver efficient and reliable consulting services.
Loan Reviews
We review approximately 30% to 40% of commercial portfolios, including samples of residential and retail loans. Our loan review services encompass the fulfillment of external requirements. We can also perform a high-level loan document review.
Our team generates interactive web-based papers for each transaction, facilitating more efficient and cost-effective procedures. We produce a comprehensive report of observed lending practices and summary findings compiled in a PDF file.
Due Diligence Reviews
We estimate credit marks and evaluate lending practices for both sides of mergers and acquisitions. In addition, our team has the capacity to intake another party’s loan review and generate credit mark models.
These services combine loan review, exit pricing, and internal ratings-based (IRB) loss parameter approaches designed to calculate credit marks accurately. Our strategies were developed with the guidance of R2Metrics, an ALM consultancy partner.
IRB Migrations and Expected
Loss Parameters
Our company utilizes an IRB approach to estimate loan losses. We quantify credit loss parameters by calculating an institution’s default rates over a 10–15-year period using monthly or quarterly data.
Afterward, our experts compare results to similarly sized institutions and loan types. We further weigh our findings against annual loss run rates using portfolio call reports.
Current Expected Credit Losses (CECL)
We also provide primary and secondary CECL calculations and validations. Our team uses the discounted cash flow (DCF) method and the IRB approach to determine loan losses and assign credit loss parameters accurately.
Exit Pricing Services
Our organization is also equipped with the capacity to generate a loan valuation. We employ the DCF method and the IRB approach to accomplish these undertakings effectively.
Stress Testing Services
Our stress testing services utilize econometric and IRB approaches. We assess the resilience of financial institutions using scenarios created by the Federal Reserve System.
Find Out More About Our Organization
Get in touch with our personnel for additional information about our financial services. We would be happy to address any questions, comments, or concerns you may have about the assistance we provide.