Services
From policy development to training and consulting.
Credit Policy Development
Set the credit philosophy and culture of your organization with strong front-end guidance.
Credit Analysis
Bridge gaps in staffing, handle new loan volume, launch credit initiatives and more.
Staff Training
Interactive training that engages the staff in practical and relevant credit portfolio decisions.
Loan Reviews
Build upon controls in place or assist in the implementation of new loan procedures.
Commercial Portfolio Reviews
Minimize credit losses with effective reviews, reports and recommendations.
Workout Specialties
Setting a plan and maintaining momentum on addressing problem credits.
Due Diligence
Analysis for institutions contemplating portfolio purchases, bank acquisitions and mergers.
Credit Training
Workshops for your front line sales as well as credit associates.
Every Decision is a Portfolio Decision
Risk. It’s an ongoing, daily element of growing businesses. From banking to manufacturing. Large and small. Continued growth cannot happen without it. Managing these risks should be dictated by standards that protect the largest asset of your business - your credit portfolio.
Our Risk Management Model
At SRM, our approach is to establish a policy and training model based on 7 core cash drivers. These core drivers represent the elements of your business that are most impactful to your portfolio and present the greatest risk of deterioration or default.
Our risk management model has been employed by banks and manufacturers throughout North America, largely contributing to the success rate of banks in 2018.
Our goal for every client, regardless of industry, is to bring sound credit analysis that leads to a stronger foundation in your credit portfolio while adding value to your client relationships.