Loan Review
Independent assessment of loan portfolio quality, underwriting standards, risk rating accuracy, and regulatory compliance.
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Independent Loan Review and Credit Risk Management for Financial Institutions
“Based on our experience servicing financial institutions in the Tri-State area... the credit risk management function is more than just an assertion that a loan is properly classified, but also to evaluate for any potential impairment as well as determine the impact on the Allowance for Loan Losses.”
44+ Clients7 Service LinesTri-State & Beyond
Credit Risk & Loan Review Services
Your credit risk decisions shape your future. Ours help shape them.
Due Diligence
Comprehensive credit due diligence for M&A activity, whole bank acquisitions, and loan portfolio purchases.
Learn more →Portfolio Stress Testing
Scenario-based stress testing of commercial, residential, and consumer portfolios with credit loss and capital impact modeling.
Learn more →ALLL Methodology & Review
Review and implementation of ALLL methodology in compliance with the FFIEC Interagency Policy Statement and GAAP.
Learn more →CECL Methodology & ACL Review
Independent review of the Allowance for Credit Losses (ACL) calculation and CECL methodology for conformity with interagency policy and ASC 326.
Learn more →CECL Implementation & Modeling
End-to-end CECL model development and implementation using vintage, PD x LGD, and discounted cash flow approaches, tailored to institution size.
Learn more →Training
Credit risk management training for bank staff covering ALLL methodology, CECL preparation, TDR identification, impaired loan valuation, and credit analysis.
Learn more →Every engagement is independent and objective, whether you need a full independent loan review, a targeted credit review for an acquisition, or an annual loan portfolio review and stress test. CRF Advisors also provides assistance with 10-K and 10-Q financial statement preparation and disclosures in compliance with GAAP and SEC regulation.
Objective Insight, Consistent Methodology
Comprehensive Risk Assessment
We identify key credit, valuation, and risk rating issues early to support timely reporting and portfolio analysis.
Independent Credit Review
We perform independent loan review, loan portfolio credit analysis, and risk rating validation to assess portfolio quality and underwriting standards.
Regulatory Alignment
Our reviews support regulatory compliance, audit readiness, and risk management for banks and financial institutions.
Our Loan Review Process
Portfolio Understanding
We begin with your portfolio composition, credit policies, and risk profile to scope the engagement properly.
Risk Assessment & Rating
Detailed credit analysis, risk rating validation, and identification of valuation or classification issues.
Findings & Reporting
Clear, documented findings with practical recommendations delivered to management and the board.
Regulatory Alignment
Results mapped to regulatory expectations to support examination readiness and audit response.
Trusted by 44+ banks, credit unions, non-profit organizations, and financial services companies across the Tri-State area and beyond
- American BankAllentown, PA
- Bird in Hand BankBird in Hand, PA
- Customers BankReading, PA
- Eagle One CUPhiladelphia, PA
- Fidelity Deposit and DiscountDunmore, PA
- First Commonwealth FCUAllentown, PA
- Firstrust BankPhiladelphia, PA
- Franklin TiogaPhiladelphia, PA
- Hatboro Federal SavingsHatboro, PA
- Huntingdon Valley BankDoylestown, PA
- Hyperion BankPhiladelphia, PA
- Landmark BankPittston, PA