synergy loan review services
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Overview of Synergy's Loan Review ServicesTRANSCRIPT
BADLOAN
GOODLOAN
LOAN REVIEW
LOAN REVIEW: DETECT WEAKNESSES AT EVERY LEVEL OF YOUR UNDERWRITING FUNCTION
Common Challenge:
“During our last exam, the examiners identified risk-rating differences in 40% of the loans they sampled. Some were double downgrades and other loans were placed on non- accrual. We have our portfolio reviewed twice a year and none of these loans were mentioned as having any weaknesses. Is this normal?”
Synergy Says:
No. Your loan review process should serve as an early warning system. Although, no one can predict exam findings, a strong loan review process should enable management to proactively address weaknesses before the exam.
WHY SYNERGY BANK CONSULTING?
Synergy focuses solely on risk management for financial institutions like yours. Though every organization wants to avoid surprises with troubled loans, your needs are unique.
Our broad experience enables us to tailor the loan review process and outputs to your specific needs so you may confidently prepare for future regulatory and external audit reviews, as well as identify reserve needs. We provide personalized, high quality service you can trust.
148 Kimball Street, Elgin, IL 60120 • 224.475.7551 • fax 224.333.1942 • [email protected] • www.synbc.com
IS YOUR RADAR WORKING?
SYNERGY’S LOAN REVIEW SOLUTION
Independent loan review is the cornerstone of every financial institution’s approach to managing risk and the quality of their credit portfolio.
An effective loan review system promptly surfaces credit weaknesses, verifies the appropriateness of the loan classification or credit grade, identifies portfolio trends, evaluates credit policy effectiveness, and provides management with accurate and timely information for regulatory reporting and determination of the allowance for loan and lease losses (ALLL).
Synergy’s Loan Review services will have an immediate impact on your credit risk management process, adding value to your organization through:
• Early identification of problem loans through continuous portfolio reviews
• Validating the methodology for determining the ALLL
• Determining the loans that should be classified as troubled debt restructures (TDRs)
ABOUT SYNERGY BANK CONSULTING, INC.Synergy Bank Consulting, Inc., is the advisory firm financial institutions trust to manage risk and optimize performance. For more information, visit www.synbc.com
©2012 Synergy Bank Consulting, Inc.