Credit Risk/Return Management

On a consulting fee basis, our banking professionals can provide a review and analysis by asset class of credit risk as compared with interest return within the bank’s loan portfolio. Ewing will evaluate current loan policy, current loan asset classes, current underwriting guidelines for subsets within each asset class and current product pricing. The various loan asset classes and their existing interest rate yields will be compared with peer banks in the bank’s trade area. The affects of current and forecasted economic conditions upon the risks associated with each asset class will be considered.

Ewing will provide a written report of its findings and will make recommendations for effectively maximizing loan yields for the loan portfolio while still meeting the specified risk-return objectives set by the Board of Directors for the bank. All findings and recommendations will be thoroughly discussed and supported by financial modeling and pro forma statements.

The consulting fee for the credit risk/return assessment and recommendations will depend upon the size and complexity of the bank and be based on the estimated man-hours to complete the assignment.