Loan Review Services

Ensight CRC Group primarily provides loan review and loan due-diligence services, as well as other consulting services, to community banks in the Southeastern US from Florida to Virginia utilizing a proprietary electronic loan review program.

Ensight is a proprietary licensed Java-based electronic loan review program that guides the reviewer through the review for the Loan Detail section, Collateral Detail section, Borrower/Co-Borrower Financial Analysis section, Guarantor(s) Financial Analysis section, and the Summary Analysis of Loan Repayment, Underwriting, and Structure section with the templates provided for completion based upon the type of loan, borrower and guarantor in order to achieve a consistency in the loan review process, findings, and conclusions. The bank is provided a complete summary presentation of all findings in the loan review report for each loan reviewed.

The loan information for each loan is stored in a database by Borrower Name and Loan Number and is retrieved as a starting point for any future review. Information for subsequent modifications and renewals of the loan are arranged sequentially with prior period information on the Loan Detail and Collateral sections that are fully presented in the loan review report. The financial analysis and analytical ratios for the Borrower/Co-Borrower and Guarantor(s) is entered and calculated on templates that are specifically designed for the varying type of entities. Information for the Borrower/Co-Borrower and Guarantor is stored by Name and SSN/EIN. If there is a Borrower, Co-Borrower or Guarantor match of the Name and the SSN/EIN, the latest financial analysis is retrieved as a starting point for any subsequent or related review.

The Summary Analysis of Loan Repayment, Underwriting, and Structure section includes a summary of the sources and adequacy of repayment; identified legal document, financial, and policy exceptions; loan covenants; an assessment of the loan presentation and credit analysis in the loan underwriting memorandum; an overall evaluation of the perceived level of credit risk in the loan structure; and an evaluation of the bank's risk grade and, if appropriate, recommended actions.

Ensight CRC Group will provide the bank MIS department with specifications for the loan information to be downloaded in the loan trial balance report, some of which will be used to pre-fill required input for the review templates and all of which will be stored in the database to be utilized for robust statistical analysis for each loan review and for the entire reviewed commercial portfolio that over time should represent in excess of 75% of the outstanding balances and loan exposure for the commercial loan portfolio. The data and statistical analysis will provide support for “bottom-up” analysis of credit risk and concentrations for report presentation.

The goal for our loan review is not to simply identify loan deficiencies and credit issues but to also provide value-added contributions and recommendations for the Bank's credit underwriting and loan administration processes.

Additional information & exhibits for Loan Review Services: