The development of an effective loan review system results in the ability to identify potential credit weaknesses, improving management’s ability to access the risk inherent in the loan portfolio. PBC can help implement a loan review system that improves the bank’s watch list, reduces the level of technical exceptions, and ultimately reduces loan losses.

By helping your bank build a program that meets the training, auditing, and reporting requirements handed down by the regulatory agencies, PBC can give your bank peace of mind AND confidence that your program is as strong as it needs to be.

With the regulatory experience to know what the regulators want, what they consider important, and how to most effectively deal with them during the examination process, PBC can identify problem areas and have them corrected before the examiners walk in the door. Our credit analysis, management consulting, and regulatory relations experience includes working with smaller community banks and large holding companies. Our expertise in working closely with clients, their attorneys, and regulatory agencies can assist your bank in achieving compliance regulatory requirements while at the same time ensuring your bank’s best interests are served.

Effective controls are critical in safeguarding the bank’s assets, especially customer information. By choosing PBC to perform your Internal Audit and IT Audit functions, you will get the necessary independence and expert knowledge while saving money and employee resources. In addition, customer information must be protected in a prudent manner and we can test your program’s effectiveness using the most current industry standards and guidelines.