Loan Review:

Independent loan review serves as a critical component of your risk management program by reinforcing positive practices and helping to identify and mitigate credit risk in your portfolio. Our loan review program offers tremendous benefits to your bank, including:

• Providing an early warning system for problems, thus providing management time to address concerns;

• Determining officer compliance with board- approved policies;

• Giving insight into the loan officers' performance; and

• Offering a "safety net" for directors.

Loan Operations Consulting:

Successful credit administration begins with strong systems and processes administered by an experienced staff. Our comprehensive review of your loan operations will provide you with a blueprint to improve the performance of your staff and systems through the following methods:

• Increasing the effectiveness of your loan system for input, processing, loan tracking and administration;

• Reducing exceptions by enhancing your internal control process;

• Leveraging automation opportunities by reducing manual processing and report preparation; and

• Ensuring that your staff and systems are interacting most effectively.

Secondary Market Compliance:

Complying with secondary market guidelines is critical to the continued success of your residential mortgage program. Our review of this area will result in the following benefits:

• Ensuring that proper underwriting techniques are utilized and maintained;

• Aiding in the detection of fraud;

• Confirming that loans have been properly collateralized and that appraisals meet federal guidelines; and

• Determining compliance with regulatory requirements.