Credit Review Services

For financial institutions in today’s environment, your loan portfolio is under more scrutiny than ever before. As competition within the industry continues to climb, proper risk management activities, including independent credit reviews, are essential to staying competitive. Because effective loan portfolio management is vital to controlling credit risk, it is important to have annual reviews to help ensure that your portfolio, processes and procedures are reliable.

PKM’s approach to credit review is to assess the credit risk of your current loan portfolio while taking into consideration your bank’s unique lending philosophy, needs and goals, while ensuring it remains compliant with your institution’s Board-approved lending policies and regulatory compliance. Through identifying classified assets and potential pitfalls in your risk rating processes, an outsourced credit review can improve your profitability by mitigating exposure to potential losses.

This service will provide you with tailored recommendations for enhancing your risk management programs. And, because we are not employees of your financial institution, we can offer a truly independent, unbiased perspective of your credit review policies and procedures.

An outsourced loan review can assist your financial institution through:

  • Proactive Asset Quality Monitoring
  • Detection of Law and Regulation Violation
  • Validation of Internal Risk Rating
  • Mergers and Acquisition Portfolio Due Diligence
  • Regulatory Examination Readiness Review
  • Portfolio and Credit Risk Management Assessment
  • Documentation and Policy Exceptions Review

For more information on PKM’s Credit Review Solutions, contact Jay Lucas at (404) 694-3132 or jlucas@pkm.com today to learn more or to schedule a consultation.