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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 has provided loan consulting
services to over 25 client banks located in the
southeastern US from Florida to Virginia since its
inception in 2005.
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 aptly
provide due-diligence review for open-market and
assisted-transaction bank acquisitions, capital
investment, and valuation of loan portfolios for
purchase or sale. The scope of the independent
review......(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 a senior officer of
the community bank 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.....(more) |
Credit Risk/Return 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 Planning
On a consulting fee 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 making detailed
recommendations for improvement and providing oversight,
assistance and measurement for implementation of adopted
improvement programs.....(more) |
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