Accurate, timely loan risk identification
Regulators expect loan risk to be accurately recognized and assigned when they walk in your door. Banks that fall short can elicit strong criticism. Even worse would be the issuance of an enforcement action, exposing you to public scrutiny that could permanently erode the trust of your customers and stakeholders.
Typically, community banks don't have enough staff or sufficiently experienced personnel to perform loan review internally. While larger banks may have enough resources, periodically they may need outside assistance to meet production goals or supplement their internal staff on special projects.
Ideas for improving loan risk management performance
We help you avoid criticism by independently reviewing your loan portfolios and administration and supervision practices, including commercial real estate, construction, commercial and agricultural loans. We also provide you with an evaluation of the effectiveness of your institution's loan policies and procedures.
Our experienced financial institution professionals:
- Help your management and board of directors assess your loan portfolio quality
- Independently risk-rate loans and identify documentation and loan policy exceptions while assessing the effectiveness of your overall loan administration and supervision practices
- Provide feedback on your loan risk management processes related to regulatory standards and industry best practices
- Independently assess the adequacy of your bank's Allowance for Loan and Lease Losses (ALLL) methodology
The RSM difference
Many of our professionals were bankers, banking regulators, internal auditors, loan officers or bank department executives themselves. They understand your business and your need for timely, relevant feedback and reports.
As a national firm, we offer you a broad view of industry best practices and in-depth experience gained during hundreds of loan review engagements for banks of all sizes and complexity.
Isn't it time to call RSM?
How can we help you?
Contact us by phone 800.274.3978 or
submit your questions, comments, or proposal requests.
Complete our Rapid Assessment form to be contacted about receiving our "quick-hit" diagnostic of your critical areas of operations.