Hinton Loan Review

Eligible collateral is the basis for accessing funds from the FHLB. FHLB criteria for eligibility is not always understood, monitored and controlled by members. Unfortunately, borrowing capacity can be curtailed because of less-than-satisfactory findings of collateral reviews. Institutions that have merged or acquired other loan portfolios have the additional problem of identifying eligible collateral.

HLR can help you assess the quality of your borrowing base (pledged mortgage loans). We test your pledged portfolio for eligibility and assess your system and controls for the ability to filter new loans and identify eligible collateral.

We furnish a detailed report showing conforming and non-conforming loans and aggregate by exception type to aid in the correction process.

Control over the FHLB pledged loans is a function that is crucial to your liquidity needs. We can help you maximize the borrowing power of your loan portfolio and avoid costly mistakes.

HLR can also help train your staff so that they realize the importance of maintaining a sound program and procedures for FHLB requirements.