Portfolio Management
Many financial institutions are experiencing a rise in loan delinquencies within their commercial loan portfolio's, requiring Relationship Managers to get involved with troubled credits. This poses a problem with the day to day maintenance and management of performing loans, as well as ongoing facility renewals.
RBW has a team of talented lenders and relationship managers that can assist you with the daily maintenance and management requirements of loans in your portfolio. We can provide weekly or daily support to keep your portfolio up to date, without requiring the addition of "full-time" employees. RBW will provide the following services as directed on your behalf;
- Send letters (or follow up on letters sent) requesting updated financial statements/tax returns/personal financial statements as required by commercial loan agreement
- Perform cash flow/leverage covenant testing
- Update file call memo's detailing conversation and/or visit with Borrower
- Review and update insurance and UCC filing status as applicable
- Complete and transmit renewal memo to credit department for bank approval
- Provide bank management with recommendations for managing the credit on a go forward basis