We deliver hands-on credit risk consulting, underwriting support, and regulatory readiness services to banks, financial institutions, and businesses nationwide.

Helping Banks and Businesses Navigate Credit Risk with Confidence

Independent Credit Advisory for a Changing Lending Environment

Trusted judgment. Practical solutions.

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Our Expertise — Tailored Credit Risk Support Across the Lending Lifecycle

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Credit Risk & Portfolio Management

Credit portfolio diagnostics & concentration analysis
Exception-based monitoring frameworks
Stress testing & loss forecasting
Consumer and CRE portfolio review
Credit rating model development and validation

Support for institutions navigating complex portfolios and shifting credit landscapes

Underwriting & Risk Assessment

Independent credit reviews and underwriting support
Financial spreading and borrower assessment
Enterprise valuation frameworks for leveraged loans
Early warning systems and risk triggers
Credit training and staff upskilling programs

From spread to memo to risk rating, we bring structure and second-level thinking

Mergers & Acquisitions (M&A) Due Diligence

Pre- and post-deal credit risk reviews
Reverse due diligence (for sellers)
Risk-focused merger integration planning
Target portfolio risk assessment and loan review
Expertise in mergers of equals and complex community bank integrations

Trusted by PE sponsors and strategic acquirers alike

Strategic Advisory & Specialized Consulting

CECL methodology development and validation
Climate risk consulting and regulatory integration
Capital planning & risk-based capital frameworks
Fractional Chief Credit Officer support
Competitive benchmarking and peer insights

When market forces shift, we help clients adapt with foresight and flexibility.

Decades of Credit Judgment. Delivered with Boutique Precision

Led by former senior risk executives from Capital One and SRA Consulting
Over 25 years of experience across credit underwriting, portfolio risk, and M&A due diligence
Deep regulatory insight with credentials including CFA, FRM, and CRC
Trusted advisors to banks, credit unions, fintechs, and private businesses