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Representative Engagements

Commercial Loan Portfolio Annual Review

CrossCheck performs reviews of an institution’s commercial loan portfolio that includes assessment of underwriting and credit administrations standards and practices; effectiveness of risk identification activities, including the ratings attributed to individual loan relationships and the overall portfolio; and risk management protocols to identify, measure, monitor, and manage portfolio risk. The review provides the institution with an evaluation of its process and verification of the level of credit risk in its commercial loan portfolio.

Client Type

Intermediate Bank ($1 to $10 billion in assets)

Service Type

Independent Loan Review


Due Diligence Review

An assessment of an acquisition target’s commercial loan portfolio and other real estate owned to identify concerns regarding the quality and collectability of the portfolio prior to purchase. CrossCheck’s review uncovered the lack of both adequate loan monitoring and basic loan administration procedures. This independent assessment allowed our client, the acquiring bank, to proceed with the transaction informed of the potential risks inherent in the portfolio.

Client Type

Community Bank (<$1 billion in assets)

Service Type

Due Diligence


Loan and Credit Risk Process Review

A credit union experiencing rapid growth of its member business loan portfolio requested an independent review of its business loan portfolio and related loan policies and procedures to ensure adherence to safety and soundness expectations. While overall policies and procedures were satisfactory, recommendations were made to enhance loan review procedures and compliance with the Flood Disaster Protection Act and implementing regulations. Our review facilitated a stronger business loan risk management process and attendant flood compliance procedures to help avoid potential monetary penalties.

Client Type

Credit Union ($1 – $10 billion in assets)

Service Type

Member Business Loan Review and Policy and Procedures Review


Loan Exception Policy and Procedure Review

CrossCheck conducted an independent review of the bank’s updated policy and procedure for the tracking and reporting of loan exceptions pursuant to criticism from its prudential regulator. Applicable regulatory requirements, prudent business practices, and CrossCheck’s years of experience were the basis for recommendations to further enhance controls and processes and meet regulatory and business requirements.

Client Type

Intermediate Bank ($1 – $10 billion in assets)

Service Type

Policy and Procedures Review


Post-Purchase Portfolio Review

Upon acquisition of the assets of a failed bank, CrossCheck performed a credit and documentation review of the acquired loans and interviewed loan department personnel at the failed bank. The review uncovered issues and loan documentation errors that posed credit and financial risk to our client. Our review provided the information needed to address ongoing administration of the acquired loans thereby mitigating future credit and financial risk of loss.

Client Type

Intermediate Bank ($1 – $10 billion in assets)

Service Type

Portfolio Review