Find and address your loan portfolio risks with our solutions.
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.
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.
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.
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.
Assessment & monitoring
Get started by figuring out where problem loans are emerging in your credit portfolio. Take these actions to get a better view.
Financial statement receipt and review
Loan modiﬁcation tracking
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
Financial condition assessment
Security perfection assessment
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.
Exit (borrower-driven or loan sale)
Restructure/return to lending group
Foreclosure, other real estate owned, liquidation
We offer data-rich, efficient solutions and services designed to help you manage your credit portfolio risk.
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.
Monitor problem loans across your industry
Prepare for Q2: Financial reporting, capital planning, and M&A
Identify and address problem loans with technology and foresight
Contending with today’s portfolio vulnerabilities to manage risk