Find and address your loan portfolio risks with our solutions.

A wave of problem loans is coming. Is your bank ready?

You’ve managed to protect your credit portfolio so far with short-term mitigation strategies like deferrals and grace periods for borrowers. After these stopgaps play out, many loans will likely default. But there are actions you can take to alleviate these losses.

Our combination of credit risk expertise and industry-specific technology solutions can help your bank ride the coming wave of problem loans to calmer seas.

Overlooked problem loans can lead to bigger problems for your bank.

But you might not know exactly when they’ll come or where they’ll emerge. And a problem can look different for different customers.

Depending on where they’re based and what business they’re in, recovery times will differ. Some borrowers may not recover for a while or at all.

We can help you get a better view of your current problem loans – and loans that could become a problem in the future.

Keep a close watch on your credit portfolio to get ahead of problem loans.

When it comes to managing problem loans, knowledge is power. Implementing the right technologies and processes can give you a current, accurate view of your borrowers.

We provide analytics, automation, and specialized guidance in areas like loan review, reserve calculation, and valuation to help you manage your problem loans.

Take a proactive approach to problem loan management.

Banks need to proactively identify, classify, and manage problem loans on a regular basis. Our three-phase framework – which requires putting the right people, policies, and technologies in place – can help you do that.

Identification

Get started by figuring out where problem loans are emerging in your credit portfolio. Take these actions to get a better view.

Loan review

Loan review

Covenant testing

Covenant testing

Portfolio analytics

Portfolio analytics

Delinquencies review

Delinquencies review

Loan review

Covenant testing

Portfolio analytics

Delinquencies review

Annual review

Annual review

Financial statement receipt and review

Financial statement receipt and review

Loan modification tracking

Loan modification tracking

Annual review

Financial statement receipt and review

Loan modification tracking

Assessment & monitoring

Once you've identified problem loans in your portfolio, you'll need to assess and monitor them in order to understand your options for mitigating losses.

Loan documentation review

Loan documentation review

Borrower conversation

Borrower conversations

Site visits

Site visits

Financial condition assessment

Financial condition assessment

Loan documentation review

Borrower conversations

Site visits

Financial condition assessment

Collateral valuation

Collateral valuation

Security perfection assessment

Security perfection assessment

Loan modification tracking

Loan modification tracking

Pre-workout agreement

Pre-workout agreement

Collateral valuation

Security perfection assessment

Loan modification tracking

Pre-workout agreement

Technology capabilities

Technology capabilities

Technology capabilities

Strategy

You've identified problem loans and carried out initial assessments. Now it's time to determine the right strategy for achieving the best outcome for your bank and your borrowers.

Bankruptcy

Bankruptcy

Exit (borrower driven or loan sale)

Exit (borrower-driven or loan sale)

Restructure/return to lending group

Restructure/return to lending group

Foreclosure/other real estate owned/liquidation

Foreclosure, other real estate owned, liquidation

Bankruptcy

Exit (borrower-driven or loan sale)

Restructure/return to lending group

Foreclosure, other real estate owned, liquidation

Empower your credit teams with expertise and automation

We offer data-rich, efficient solutions and services designed to help you manage your credit portfolio risk.

Crowe Credit360 for Problem Loans
Streamline your organization’s problem loan administration and get a better view of credit risk.
Crowe Credit360 for Problem Loans
Crowe Credit360 for Loan Review Departments
Get a handle on your loan review challenges and opportunities
Crowe Credit360 for Loan Review Departments
Crowe Credit360 for Capital Planning & Stress Testing
Improve capital planning with a solution that combines machine learning with extensive banking and macroeconomic data.
Crowe Credit360 for Capital Planning & Stress Testing
Crowe Financial Data Automation
Empower your data and your credit managers
Crowe Financial Data Automation
Loan review services
Get short-term assistance, co-sourcing, or other levels of service to meet your loan review needs.
Loan review services
Credit solutions
Lend more quickly and securely with the right insights on credit risks.
Credit solutions

Take on problem loans before they take you by surprise.

Picture knowing where the next problem loan is in your portfolio – and how to get it back on track.

Tackle your problem loans before they get out of hand. Our problem loan management consultants and solutions can help you understand what is coming.