In today's dynamic banking landscape, effective loan portfolio management is paramount to mitigating credit risk and ensuring financial stability. PCI offers comprehensive Loan Review Services designed to provide banks with a reliable assessment of their loan portfolios and actionable recommendations for improvement.
Project Scope & Key Deliverables
- Independent Review: PCI conducts an independent review of credit files and the lending process to assess risk rating, collateral, documentation, and policy exceptions.
- Thorough Scope: The review encompasses all loan relationships exceeding 10% of capital and includes a random sample of loans based on various parameters such as loan type, size, officer assigned, and loan date.
- Comprehensive Process: The review process comprises three phases: Pre-file Review, File Review, and Post-review Management Debrief, each focusing on different aspects of loan evaluation and risk management.
Key Deliverables Include
- Assessment of risk rating per loan
- Identification of policy exceptions and documentation errors
- Concentration report and collateral valuation coverage
- Detailed individual loan synopsis and common findings discussion with management
Expertise You Can Trust
Led by banking veteran Tod Ellis, PCI's Loan Review Associate brings over 40 years of industry experience to the table. With a track record of success in commercial, consumer, and mortgage lending, Tod Ellis and his team provide invaluable insights and recommendations tailored to each client's unique needs.
Partner with PCI Today
Empower your bank with PCI's Loan Review Services and drive positive change in your loan portfolio management. Contact us today to learn more and take the first step towards financial resilience and success.
