Our substantial experience and expertise in credit risk management can help you meet the complex and competitive challenges in the banking industry – focusing on the need to identify, quantify and control the risk inherent in your lending business. We maintain high standards of quality and use sound business judgment in making accurate evaluations of risk and performance.
Our experience and skills are available to you at a reasonable cost, and we leverage our knowledge and experience to provide you with many value-added benefits. Our assignments are completed with minimal disruption to your normal functions. We are sensitive to your customer service needs, and minimizing the process burden is important to us.
We develop cooperative and rewarding relationships with our clients, with emphasis on listening and communication. Our services are designed to specifically address your unique needs and businesses, according to your preferences and expectations. Our in-depth knowledge of credit business will be a valuable resource to assist you in controlling the risk in your lending business.
Our extensive experience covers all types of credit products and services – from small business and middle market through to multinationals and real estate, and includes all aspects of credit risk management – originating, administering and reviewing loans. We also understand the competitive challenges confronting lending officers, and the appropriate balance between sales and asset quality.
Designed to provide your senior management and directors with an objective and independent evaluation of the level of risk and condition of your credits - for individual loans or entire portfolios, and for all types of lending.
We go beyond basic loan quality analysis to assess both the risk and performance of the credits – identifying signs of deterioration and/or emerging problems.
Verification of the adequacy and appropriateness of loan and security documentation, as well as the systems in place for controlling and monitoring the process.
Vetting of policies and procedures to control and mitigate credit risk – to include all aspects of the credit risk management process - from origination through underwriting, approval, documentation, booking, monitoring and control, collection, and problem loan management. This will enhance the prudence and practicality of your policies, ensure they meet regulatory criteria, and improve the administration of the lending procedures. .
We provide credit due diligence assurance on any acquisitions or mergers you may be contemplating. This is an objective and independent evaluation for both buyer and seller.
Review of the lending process for compliance with pertinent regulatory requirements, and identify opportunities for procedural improvements to enhance compliance aspects as necessary.
Other credit related services - such as a review of the loan administration area, or training in financial analysis, cash flow analysis, or documentation – can be tailored to your specific needs.
"We have found Peter to be extremely capable, an excellent communicator and very hard working. Peter's character is beyond reproach and I can recommend him without reservation . . He has a tremendous breath of experience and has exceptional judgement."
"Greater Buffalo Savings Bank (GBSB)"
"His analytical skills to be superior and his reasoning and thought processes to be unusually logical and insightful. Of partiuclar note has been his ability to work with a variety of professional staff in our organization and work out differences of opinion or analysis in an effective and advantageous fashion. Peter has consistently demonstrated reliable integrity, objectivity, maturity and sound business judgement in all his interactions with me and others at Community Bank."
"Community Bank Systems "
Our experience and skills are available to you at a reasonable cost - a strong alternative to the high cost of performing these services internally – and we leverage our knowledge and experience to provide you with many value-added benefits.
Our assignments are completed with minimal disruption to your normal functions. We are sensitive to your customer service needs, and minimizing the process burden is important to us.
In addition to satisfying the independent and objective requirements of your Board, our services will also satisfy your regulatory requirements and external auditors, where necessary.
We tailor our services specifically to meet your unique needs and businesses – personalized to your preferences and expectations, and always maintaining high standards of quality.
Our extensive experience covers all types of credit products and services – from small business and middle market through to multinationals and real estate. Our experience includes all aspects of credit risk management – originating, administering and reviewing loans. As such, we understand the challenges confronting lending officers in their dealings with customers, and the appropriate balance between sales and asset quality.
Please contact us with any questions or comments you might have concerning our consulting services..