Financial Institution Loan Review

Weaver’s loan review team has several decades of institutional experience, with consultants who have served as commercial lenders, bank examiners and credit officers prior to joining our firm. Their insider perspective affords them the unique ability to independently evaluate your portfolio with an eye toward enhancing your bottom line.

For potential loan portfolio acquisitions, our loan review services can be leveraged as a component of effective due diligence, providing a more complete understanding of a target loan portfolio’s assets and liabilities. Loan reviews examine the quality of a financial institution’s assets to identify and mitigate vulnerable areas in lending.

How can an independent loan review help?
By periodically reviewing a financial institution’s loan portfolios—mortgage, commercial, leasing and consumer—an independent loan review can assess and identify a weak lending culture and the repayment risk of certain borrowers. A loan review also evaluates failed loans and makes recommendations for improvement in credit culture, monitoring and controls.

What necessitates a loan review?
With loans generally comprising the majority of a financial institution’s assets, it is critical to monitor the quality of your portfolio, as well as existing lending culture (practices and procedures) to identify exposure areas and validate the soundness of your operations.

What are the benefits of a loan review?
By identifying potential problem loans and/or possible shortcomings in your risk-rating process, a loan review can further enhance your institution’s profitability by mitigating exposure to potential losses. Customized recommendations for implementing enhanced risk management techniques will help your institution’s loan officers better identify and mitigate systemic vulnerabilities.