Independent Loan Reviews
Hinton Loan Review (HLR) is well equipped to perform the independent loan review that your regulator likes to see. The review is removed from the management of the bank and ensures independence, which for community banks is difficult to attain because of fewer people who are both independent and qualified. HLR utilizes the expertise of former seasoned regulators and bankers who have viewed and analyzed a wide array of loans through many downturns and economic events. They bring a balanced and experienced view to the review of your loans. They are professional in every sense of the word with most of them having served in supervisory positions.
Our review will validate your scoring system and therefore the adequacy of the loan Loss Reserve. Our reports are comprehensive in scope and provides narratives that are helpful to regulators, directors and third parties. HLR reports approximate forty pages and are reflective of in-depth file analysis and discussions held with loan officers and management.
The percentage of the portfolio selected for review by Hinton Loan Review and bank management will provide reasonable assurance that all major credit risks have been identified. The following list represents some of the areas we cover during our loan review engagement:
- determination of scope of engagement
- analysis of loan portfolio
- analysis of trial balance
- review of specific credit files
- review of same files for collateral perfection and evaluation
- review for compliance with loan policy
- review for procedural risk
- review of adequacy of loan loss reserve
- a comprehensive report detailing specific findings and recommendations
We structure our reviews to accommodate the institution's profile and agree with managements needs .
Hinton Loan Review provides bank management and board of directors a detailed extensive report with all supporting documentation which will note, if any, all deficiencies and non compliance with loan policies and procedures. We provide a detailed report based on a thorough review.
HLR reports also provide comparative peer information to help you ascertain where your institution ranks in various kinds of lending. Compliance with policy is monitored and recommendations are made for non-conformance.