Strategic Solutions for Credit Excellence
We specialize in crafting innovative and comprehensive financial strategies tailored to your unique needs. Our experienced professionals leverage cutting-edge technology to provide efficient, reliable, and results-driven financial consulting services.
Smarter Business Decisions
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 with comprehensive financial solutions. We produce a comprehensive report of observed lending practices and summary findings compiled in a PDF file.
Confidence in every step
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 comprehensive financial solutions were developed with the guidance of R2Metrics, an ALM consultancy partner.
Risk Management
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.
Precise Calculations
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.
Accurate Loan Valuations
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.
Financial Resilience
Our stress testing services utilize econometric and IRB approaches. We assess the resilience of financial institutions using scenarios created by the Federal Reserve System.
Reach out to our team for more details about our comprehensive financial solutions. We’re here to answer your questions, provide clarity, and assist with any concerns you may have. Let us help you navigate your financial journey with confidence.