Strengthen your overall loan review function
Loan review is a crucial part of effective risk management for your financial services organization.
With an effective loan review function, your organization can mitigate risks and make more informed decisions about lending and potential transactions. They’re also a key source of insights into your overall financial performance and compliance.
Wipfli can help you get the valuable insights you need, while providing an efficient way to manage the resources associated with a loan review.
Why Wipfli?
Wipfli’s loan review team provides proactive support in helping you develop and apply best practices and risk management strategies. We apply our experience in working with a variety of organizations to help you enhance your loan review function and the quality and consistency of your loan risk ratings.
Whether you require a one-time review within a defined scope or periodic ongoing reviews, our seasoned loan review professionals confirm the quality and consistency of risk ratings and credit administration.
How we help you
Wipfli’s loan review services can help you confirm the quality and consistency of your risk ratings. Our loan review specialists work with you to identify and manage risk within your loan portfolio and validate your risk rating methodology so that you can gain insight into lender performance and improve your credit policies and procedures.
We can also provide an independent, custom measure of your portfolio’s overall quality and whether your internal loan classification and risk rating system are working effectively.
Wipfli is ready to help you identify and manage risk in your loan portfolio. Our advisors can provide you support with:
- Concentration management
- Exception management
- Troubled debt restructuring
- Problem credit management
- Credit processes and credit department structure
- Evaluation of internal loan review functions
- Loan policy
- Real estate-owned and other repossessed assets management
We also provide loan portfolio stress testing services for the income-producing commercial real estate segment of your loan portfolio. Work with our team to identify sensitivities and potential weaknesses to changes in external factors before they cause concern.
Better protect your investors from fraud with Wipfli.
Our pre-funding and secondary market loan quality control services are administered by experienced financial industry professionals who meet government-sponsored-enterprises (GSE), Department of Housing and Urban Development (HUD), agency and private investor standards. Our team can help you enhance the way you monitor and evaluate the loans you sell on the secondary market so that you can manage your fraud risks.
We’re ready to help you:
- Evaluate the quality of your loans.
- Use best practices to prevent or solve issues.
- Detect and act on signs of fraud.
- Help ensure your review is independent.
- Assess the overall quality of mortgage production on a regular basis.
Wipfli’s post-closing quality control review services are administered by industry-experienced professionals who meet GSE and HUD agency and private investor standards. We can help your organization:
- Verify data integrity.
- Evaluate loan documentation.
- Perform re-verifications of employment, income and source of funds.
- Assess appraisal data.
- Evaluate the adequacy of the underwriting process.
Gain valuable insight into your credit underwriting process and your loan customer’s financial management with Wipfli.
Wipfli’s field examination services can help you make sound credit decisions based on reliable, value-added information. Our experienced team can provide your organization with detailed analyses of your organization’s:
- Loan customer’s accounting practices
- Accounts receivable
- Accounts payable
- Inventory
- Accruals
- Taxes
- Personnel
Our team
Carrie Connell, CPA
Carrie Connell began her career in audit in 2003 and today works in our risk advisory group with clients primarily in the financial services industry. She is experienced in both public and nonpublic financial statement audits, employee benefit plan audits, regulatory compliance audits and fraud and forensic accounting. On numerous occasions, Carrie has assisted de novo institutions in transitioning from an organizational stage to fully operational companies. She specializes in administering and performing Sarbanes-Oxley Section 404 compliance for accelerated filers and smaller reporting companies, FDICIA compliance and operational and financial internal audits.
Luke Soper, CPA
Luke Soper is a senior consultant in Wipfli’s financial institutions practice. He has over 10 years of experience in financial management in banks and credit unions ranging in size from $50 million to $8 billion. He is attuned to the needs of various client types and sizes.
LuAnn E. Bunch, CPA
With over 20 years of experience in asset/liability management, LuAnn Bunch utilizes her expertise to provide quality services to financial institution clients. Her responsibilities include a plethora of asset/liability-related consulting services such as building financial models, forecasting, interest rate risk analysis, liquidity risk analysis, regulatory reporting, policy reviews, and independent validations. Providing excellent customer service is one of LuAnn’s greatest strengths and drives her ability to consistently meet and exceed client expectations.
Jay M. Totzke, CPA
Jay Totzke is currently Wipfli’s Green Bay Market Leader and oversees a team of over 100 professionals who provide tax, audit and accounting, and consulting services for the firm’s clients. He is responsible for the overall financial results of the market, new client development, client retention, partner and associate development and community engagement.
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