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TGA Loan Review Program

Download BrochureAre you struggling to complete all your annual credit reviews for existing commercial borrowers? Annual review of financial statements can oftentimes take a back seat to new loan analysis and underwriting. Nevertheless, failing to adequately conduct these reviews can result in you missing deteriorating loans and lead to regulatory criticisms. Do you also wonder if you are risk rating loans accurately and consistently?

Why not consider using our Loan Review Program to complete your annual reviews? Designed by a professional loan review company, this is the only software program on the market that assists you in completing required annual reviews in a timely manner, accurately risk rating your commercial loans, and monitoring the overall quality of your portfolio.

Loan Review

We have been using our risk rating model to conduct loan review for nearly 30 years. It has been thoroughly tested and reviewed by every regulatory agency. The program is flexible enough to accommodate any risk rating system and is adjustable to your own risk tolerance levels. This is not a one size fits all system...it is completely customizable to your specific bank.

Why go through the annual review and risk rating processes without determining your portfolio risk? Our system will allow you to pull key reports that will help you determine if your credit risk is increasing, decreasing, or staying stable. Make your efforts count!

Here are some of the key features of our system:

  • It makes annual reviews easier to complete so you can do more of them. (We average between six to eight reviews per day per analyst.)
  • It saves time by retaining key loan information from year to year.
  • It includes an objective risk rating model that has been reviewed by all regulatory agencies.
  • It ensures consistency in your risk rating of loans.
  • Our risk rating process is transparent and easy to understand.
  • Built-in reports to help you assess quality of different portfolio segments.
  • It eliminates the need to buy new computer hardware/software.
  • It is easily accessible from any computer at any time. (Must have Internet access.)
  • It puts your Credit Administration, Business Development/Loan Officers, Independent Loan Review, and your Regulators on the same page!

Loan Review

ABOUT US:  T. Gschwender & Associates, Inc. is a diversified consulting company that has been providing services to financial institutions since 1984. Our clients include small community banks and credit unions with less than $100 million in assets to much larger regional institutions with over $5 billion in assets. We like to describe ourselves as a highly sophisticated "Credit Department," able to handle all functions from initial borrower due diligence to collateral liquidation, and everything in between. Our goal is to provide these services in a timely and cost effective manner, allowing our clients to tap into resources they would not otherwise be able to employ internally.  

Contact us at info@tgschwender-assoc.com for more information.