CMS provides several bank-related consulting services and performs various special projects for our clients. An example of services we provide are:
- Credit review (detailed below).
- Validation of ALLL methodology for accuracy and adequacy.
- Due Diligence reviews when considering mergers or acquisitions.
- Interim or special project short- to mid-term staffing.
- Many special projects related to the management of a credit portfolio.
Our primary service is ongoing credit review.
The goals of each credit review would include:
- Assess compliance with applicable laws and regulations.
- Assess compliance with board approved policies and procedures.
- Test internal risk ratings to determine accuracy of loan grading.
- Evaluate credit underwriting practices, procedures, and policies.
- Review loan documentation and credit monitoring.
- Identify areas of risk that appear to warrant management’s attention.
- As requested, provide an independent test of the accuracy and adequacy of the Bank's ALLL methodology.
Upon conclusion of the review, a Report of Credit Examination will be issued to the Audit Chairman and/or management, as instructed.
Our team of committed professionals will make your examination services convenient, well-organized, and cost effective. Our philosophy is to work with the Board of Directors, Audit Committee, and Management to provide a service that continuously monitors the lending process to identify potential weaknesses before they can become problems. We look forward to working with you and welcome the opportunity to be a member of your team.
