Services Provided
Credit Management Advisory Services LLC (“CMAS”) offers community banks access to executive-level commercial credit management support on a project-specific or as-needed basis.
Special Asset Management
As troubled asset levels have increased, the management of these special asset portfolios now consume an inordinate amount of many financial institution’s time and attention. CMAS provides services to client banks that lack either the manpower or experience in special asset management, helping them move quickly and efficiently in evaluating these assets in order to optimize their value. CMAS is equipped to offer Special Asset Management Services including the following:
- An assessment of your bank’s troubled assets along with detailed workout recommendations including bankruptcy navigation, strategic workouts, foreclosure/deed-in-lieu guidance and liquidation strategies.
- Direct, functional management of select troubled loans within your special asset portfolio together with detailed workout recommendations.
Credit Training and Mentoring
CMAS offers customized commercial and real estate credit training to client banks. This training can be prepared for large classroom settings or smaller distinct group/one-on-one formats. Additionally, CMAS can facilitate the start up of a credit department and offer coaching and mentoring to new or lesser-experienced Chief Credit Officers.
Loan Review Services
CMAS can perform independent value-added loan reviews at client banks, evaluating credit quality/risk as well as compliance with a bank’s internal policies and regulatory requirements. These services include the following:
- Assessment of the repayment risk of selected borrowers.
- Assessment of the accuracy of loan officer assigned risk grades.
- Assessment of the overall quality of a loan portfolio, together with recommendations for systemic enhancements. This would include specific client credit recommendations, when appropriate.
In order to effectively work with your team, CMAS is able to customize Loan Review services for your bank to include:
- The complete outsourcing of the Loan Review function
- Services which complement your bank’s existing Loan Review team
- Special projects targeting specific areas of the loan portfolio