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EWING LOAN ADVISORS, INC.
50 North Laura Street
Suite 3625
Jacksonville, FL 32202
904.354.5573
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Ewing Loan Advisors is focused on assisting community
banks in the Southeast with the tactical management of
their loan portfolios. Our professionals have experience
in loan policy, lending procedures, loan review, credit
risk management, problem loan resolution, and loan
portfolio rebalancing through loan sales and purchases.
Ewing Loan Advisors can provide the specific services
required to enhance loan performance and achieve desired
credit quality goals, more efficiently and effectively
than the bank can perform these functions internally.
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Corporate Governance
The Board of Directors and the Executive
Management Team of a Community Bank are charged with
the primary responsibility for both the creation of
enterprise value and the safety and soundness of the
Bank. To at least some extent, there is an inherent
conflict between these dual responsibilities that
has to be effectively balanced in the execution of
the Bank’s business plan....(more) |
Loan Review Services
Ewing Loan Advisors will provide the bank with a
professional and regulatory-compliant Continuous
Loan Review program that will be implemented at a
cost substantially less than the cost of an internal
department, and typically less than the cost of one
FTE.....(more) |
Due-Diligence Review Services
Our experienced loan professionals can conduct
due-diligence and/or valuation of a loan portfolio
for purchase or sale. They will perform an
independent review and appraisal of the portfolio
based on the stated parameters and objectives of the
engagement.....(more) |
Loan Policy and Procedures
Loan policy for the Bank should be a collaborative
effort by the Board of Directors and Executive
Management, possibly assisted by Ewing Loan Advisors
as a third-party consultant. The Loan Policy Manual
should be comprehensive, completely covering both
policy and procedures.....(more) |
Problem Loan Resolution
In most cases, it is neither efficient nor
effective for a community bank loan officer or other
senior officer of the community bank to attempt to
resolve a problem loan. Not only is the assigned
bank officer typically inexperienced in such matters
and to some extent compromised by his existing
business and personal relationship with the
borrower, he is also badly distracted from his much
more productive role as a producer of profitable
banking relationships.....(more) |
Credit Risk Management
On a consulting basis, our loan professionals can
provide a review and analysis of the credit risk in
the loan portfolio compared with the interest return
on the portfolio. The analysis will address loan
asset classes, underwriting guidelines and pricing.
We will make recommendations for maximizing loan
yields, while still meeting the desired risk-return
objectives set by the Board of Directors.....(more) |
Strategic Analysis & Planning
On a consulting basis, the banking and accounting
professionals at Ewing Loan Advisors can provide the
Bank with an in-depth analysis and assessment of the
financial performance of the bank; an assessment of
operating and competitive competencies, as well as a
critical analysis and recommendations for improving
areas lacking competitive competencies ....(more) |
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