Who We Are
It’s far from business as usual in the community banking industry. Community banks are under siege, and our firm acutely understands the urgency with which non-performing asset and capital issues must be addressed. We are experienced advisers who have been working with community banks in distress for decades, helping them develop and implement highly effective solutions to non-performing loan, REO, capital and regulatory issues.
Our navigational theme illustrates how we work. We act as a bank’s strategic consultant, but we also guide our clients through the many tactical and technical steps required to move quickly from analysis and strategy to execution and recovery. We also act as a negotiator with many parties, including non-performing or under-performing borrowers, bank regulatory authorities, loan and REO buyers and capital investment partners. As negotiators, we have a reputation for achieving results in complex and difficult circumstances.
Loan Workout Advisers’ integrated approach empowers our bank clients with a full array of best-in-class resources encompassing loan workout, legal collection, bank regulatory representation, investment banking, asset valuation, loan sale advisory and conventional and unconventional REO brokerage.
We help bank clients:
Defend Regulatory Capital — Our well-respected loan and REO portfolio analyses provide a full articulation of non-performing assets to bank regulatory authorities and a robust defense of reserve and charge-off levels, as well as loan workout strategy. Our impeccable reputation with bank regulators and long experience negotiating exam related asset-quality issues add to the effectiveness of our analytical work product, increasing the likelihood of success for our clients in tough negotiations. We make our biggest impact on our clients’ largest and most complex distressed credits and can point to numerous and significant regulatory capital saves in the current market cycle.
Improve Loan Workout Effectiveness – Our veteran loan workout consultants all began their careers as commercial lenders for money center banks in Chicago and have since collectively spent decades in the loan workout trenches for banks large and small. Our expert analysis and advice illuminates the best way forward even in difficult workout situations and enables our bank clients to make timely and informed loan workout decisions. Furthermore, our experience and skill enhances our clients’ ability to successfully negotiate tough debt restructurings and settlements - dramatically affecting outcomes.
Return to Capital Strength – Raising capital for community banks has never been more difficult. Success begins with delivery of a credible and comprehensive report on legacy risk loan and REO portfolios to potential bank investors. From this foundation, provided by our expert analysis, we work with our clients and trusted investment banking, legal, loan sale and REO advisory resources to guide them through smart and expeditious loan workout and disposition strategies and defend the value of legacy risk asset portfolios to potential investors and other third parties. Our integrated strategy has been proven to enable unique financially engineered capital raising solutions.
