TIB has provided sophisticated, independent credit risk services to community banks across the nation for more than 35 years.

Our team of senior credit risk professionals leverages their extensive experience to communicate effective risk management practices, regulatory expectations, and other valuable insights to our Partner Banks each year.

Our diverse client base includes both publicly-traded and privately-held institutions with total assets ranging from $50 million to $40 billion.

Our excellent data security, strong data management capability, and proprietary credit analysis software enable us to effectively perform over 95% of our engagements remotely.

EXTERNAL LOAN REVIEW

• Engagements are tailored to client needs, typically 30% to 70% coverage of the commercial loan portfolio
• Reviews may be full-scope or targeted to an individual sector or region
• Deliverables include detailed final reports, an exit meeting package, and a 6-8 page linesheet for sample credit.

INTERNAL LOAN REVIEW SUPPORT

• Routine ongoing monitoring to supplement the internal loan program
• Comprehensive analysis of individual client-selected credits
• Flexible scheduling and frequency: monthly, bimonthly, quarterly, or on an as-needed basis

CECL REVIEW & VALIDATION

• FASB ASU Topic 326 focused evaluation of CECL methodology and model consistency with current guidance
• ​Review of policies, processes, personnel, and control systems
• Evaluation of regulatory compliance, comparison to the industry norm, and adequacy of documentation

DUE DILIGENCE

• Credit risk assessment to support M&A, portfolio acquisition, and large credit purchases
• Highly secure file transfer portal to support imaged file access

SPECIFIC CONSULTATION

• Management Information System (MIS): concentration monitoring, stress testing, and other risk measurement processes
• Regulatory exam criticism response, including addressing Matters Requiring Attention (MRA or Enforcement Actions
• Special asset management and loss mitigation consultation

CREDIT RISK TRAINING

• Advise client credit staff on pertinent industry trends, accurate risk rating, and sound credit practices
• Credit Risk seminars held at TIB Headquarters or onsite at client premises