Loan Review Services

FNBB Services Corp. provides in-depth, independent, and ongoing loan portfolio analyses to help community institutions estimate potential credit losses. Our primary goal is to keep management and boards informed about the quality and risks inherent to the portfolio. In addition, we assess the effectiveness of credit risk management processes and make recommendations to improve those practices.

The scope of the loan relationships to be reviewed is customized to meet the needs and expectations of each customer.

Objectives:

• Evaluate the accuracy of internally assigned risk ratings
• Assess the soundness of the lending function and overall credit risk
• Design a process that keeps the board and management well informed about inherent risks in the portfolio
• Assess the effectiveness of the loan committee
• Evaluate the adequacy of and compliance with the credit policy

Features and Benefits

• Independent analysis from a lender’s perspective by bankers knowledgeable in credit practices and risk management
• Assistance with identifying low-quality or deteriorating credits
• Post-review meetings with management and, if requested, board audit committee
• Comprehensive written loan review reports and workpapers