Loan Pricing Models
RLR loan pricing model enables banks to improve risk-adjusted ROE. For community bankers Loan Pricing Models offer a consistent methodology to calculate risk-adjusted ROE and provides sophisticated lending analytics currently utilized by the larger Banks. The benefit to a higher loan pricing level is simple; an increase to net income, overall profitability and more informed decision making.
Credit Administration Department Review
RLR provides reviews of the standards and practices followed in extending, servicing, and collecting loans. Credit administration can have a significant impact on the quality of the loan portfolio. Effective credit administration can mitigate certain credit risks, while deficient credit administration can increase credit risk and is often a forerunner of deterioration in the loan portfolio. As such, credit administration periodic reviews should ensure all loans are administered in a safe and sound manner and in compliance with Regulations.
RLR’s experienced workout consultants can assist with complicated and time consuming criticized/classified and charged off loans. We can work directly with your borrower to determine the operational and collateral deficiencies (FAS 114) and make recommendations for a turnaround. Our team is versed in all types of workout credit functions CRE, Construction, C&I, SBA, Bankruptcies, Foreclosures and more.