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EWING LOAN ADVISORS, INC.
50 North Laura Street
Suite 3625
Jacksonville, FL 32202

904.354.5573

 
 



  
  
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.
 



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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