Loan Review Services

RELIABLE associates, llc

Looking Beyond the Numbers

Our comprehensive loan review is tailored to meet your needs. We recognize that no two banks are alike. Our goal is to help you effectively manage credit risk through the early identification of problem loans and deteriorating credits.

· We use experienced credit professionals who’ve been in your shoes.

· In-depth analysis and reporting uncommon to community banks.

· Our unique blend of experience.

· Community bank focus.

Premier loan review with significant value added.

Our services are flexible and variable – you choose the level of service to suit your needs:

Loan review is our core service: We review a sample of loans you select to determine the level of risk associated with that group of loans and analyze the adequacy of the allowance for loan and lease loss reserve*.

For banks with in-house loan review, we can validate the work of your internal loan review team. This solution provides an independent assessment of the effectiveness of your team while you maintain control of the loan review function.

* The review of the allowance for loan and lease loss reserve can be optional. If you do not require this service, our pricing will be adjusted accordingly.

Our Loan Review Methodology

Items we consider in the evaluation of the credit

Our loan review service provides a comprehensive look at your portfolio. Our Loan Review Methodology considers the following:

· Documentation – Is the loan structure appropriate for the loan purpose? Were key documents executed? Was the loan made in accordance with prudent lending practices?

· Financial – Does the borrower have the capacity to repay the loan under its original terms? We analyze the borrower’s financial information to make that assessment.

· Repayment sources – If the borrower does not have the ability to service the debt, what are the secondary and tertiary sources of repayment? What support do the guarantors provide? Do the principals offer additional support? We review the guarantor and principals financial information to make that assessment.

· Collateral – Is the collateral sufficient to support the debt? Was the valuation method reasonable? Are there impairment issues?

· Management – Does the borrower have the experience needed to profitably operate the business? Also, is there a succession plan to allow for continued operation upon the departure of key personnel?

· Compliance – Admittedly, many loan regulations do not apply to commercial transactions; however, the ones that do can cause you serious problems for non-compliance. With a Certified Regulatory Compliance Manager on staff, compliance issues are considered during each review. We also address whether the loan made in compliance with bank policy and with its loan approval. Approved and un-approved exceptions are noted.

Reporting

We provide an in-depth analysis and reporting not typically provided to community banks. Our proprietary software allows us the flexibility to tailor our reports, or create other reports, to meet your needs. Below are some reports most of our clients find useful.

The Reliable Advantage

To contact us call: 412.824.2106

Why Reliable?

· Risk Ratings by Current Lender

· Totals by Risk Ratings

· Downgrades by Lender

· Upgrades

· Downgrades

· No Rating Changes

· Aged Financials

· Aged Tax Returns

· No Financials

· To Do List by officer

· Policy Violations

· Regulatory Violations

· Expired Insurance

· Yield by Risk Rating

· Detailed Line Sheet by Borrower

· Loans to One Borrower

· FAS 114 Impaired Loans

· Exception Detail

· Appraiser Concentration

· Appraisal Date Comparison

· Composition of Collateral

· Principals by relationship

· Loans Guaranteed by Individual

· Watch List Credits by Lender

· Insider Loans

· Risk Ratings by Original Lender

· Risk Ratings by Current Lender

· Exit Summary