Independent Advisory Focused on the Institution

Eight lines of work for community banks and credit unions: acquisition/divestment assistance, credit review, exam support, BSA/OFAC assessments, interim leadership, core conversions, policies, and strategic planning.

Acquisition and divestment assistance

Independent look at a purchase or sale: credit due diligence, concentration risk, and what the deal does to capital and the ALLL.

Credit and portfolio risk management

Independent loan review covering quality, concentrations, and emerging risk. Also used for a target portfolio before a purchase or merger.

Exams and enforcement actions

Preparation and independent challenge ahead of safety-and-soundness exams. After a finding, work is scoped to correct what the regulators required.

Independent BSA/OFAC Review

Independent review of the BSA/AML program, OFAC screening, and reporting so the board has a documented third-party look.

Senior Executive Leadership

Interim CEO, COO, CLO, or CFO coverage when an officer leaves and a successor is not in place.

Core systems and process change

Support for a core conversion or major system change, including standing up processes through the cutover.

Policies and procedures

Drafting and implementing policies written to match how the shop runs and how examiners will read them.