Credible, Effective, Risk-Based Loan Analysis
As regulatory agencies intensify scrutiny of lending and credit risk management practices, it is essential that financial institutions assess the quality of their credit portfolios and identify potentially troubled loan relationships as early as possible.
Independent Loan Review: An Essential Step
Independent loan review is a vital regulatory requirement, providing a credible foundation for credit risk management and is a cornerstone of establishing an adequate allowance for loan and lease losses. In addition, independent loan review is valuable for helping banks sharpen their overall portfolio quality management. A customized independent review can identify risks that might have been overlooked and help assess an institution’s asset quality and credit administration processes. The aim is to promote stronger asset quality, lower charge-offs, and fewer problem loans. Learn more about Crowe’s mortgage banking services.
An Objective, Risk-Based Approach
Crowe Horwath LLP offers objective, risk-based third-party loan review services for all or part of a bank’s portfolio. In addition to risk-grading retail, consumer, and commercial loans in agriculture, business, and real estate, Crowe provides an array of credit consulting services, including:
- Credit due diligence
- Concentration analysis
- Stress testing
- Model validation
- Tracking of policy exception trends
- Targeted reviews of specific credit products or services (examples: leveraged lending, agriculture portfolios)
- Independent assessment of internal loan review processes and administration
Secure, Detailed, Professional
Our loan review professionals work with our external audit group and other industry leaders to stay abreast of the ever-changing audit and regulatory environment. Our experienced credit professionals – most of whom are former bankers or regulators – employ proprietary Crowe software that supports secure, detailed analysis and documentation along with timely reporting of findings and exceptions.