Information is a key advantage to a banker in today’s uncertain environment.
The loan portfolio is the most significant asset on the balance sheet of most banks. It usually represents the majority of an institution’s earning assets and poses the greatest amount of risk.
Information is a key advantage to a banker in today’s uncertain environment. BFG loan portfolio consultants deliver the vital information necessary to assess, monitor and manage credit risk – particularly in commercial and real estate loans.
Portfolio Review
The BFG Loan Portfolio Review Program offers banks an independent, objective and cost effective external review. Widely accepted and viewed favorably by the regulatory authorities and banks, our program is comprehensive and tailored to each bank's individual needs. Covering both credit and collateral fields, the program emphasizes credit quality, perfection of security interest in collateral and adherence to loan policy. We provide recommendations to strengthen and improve problem loans. With our focus on detecting potential problem situations, our program enables banks to implement corrective measures sooner than later, preventing losses. Our multi-faceted, comprehensive program provides:
• Evaluation and monitoring of credit quality on an ongoing basis
• Verification of perfection of the bank's security interest in collateral taken
• Assessment of Loan Loss Reserve adequacy
• A management tool vital to managing and minimizing loan portfolio risk
Portfolio Due Diligence for Mergers & Acquisitions
Obtaining an independent third party assessment of a loan portfolio is one of the most important steps in a merger/acquisition. BFG advises banks throughout the U. S. in the merger/acquisition area, delivering:
• Accurate assessments of loan portfolio risk
• Determination of the adequacy of loan loss reserves
• Informed judgment as to true value
Regulatory Relations Consultation & Resolution
Our team applies its substantial banking and regulatory experience by providing assistance with regulatory matters in:
• Resolution and/or elimination of any cited problems or concerns in regulatory examinations or in more formal written agreements or enforcement actions
• General regulatory matters
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