From policy development to training and consulting.

Credit Policy Development

Set the credit philosophy and culture of your organization with strong front-end guidance.

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Credit Analysis

Bridge gaps in staffing, handle new loan volume, launch credit initiatives and more.

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Staff Training

Interactive training that engages the staff in practical and relevant credit portfolio decisions.

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Loan Reviews

Build upon controls in place or assist in the implementation of new loan procedures.

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Commercial Portfolio Reviews

Minimize credit losses with effective reviews, reports and recommendations.

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Workout Specialties

Setting a plan and maintaining momentum on addressing problem credits.

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Due Diligence

Analysis for institutions contemplating portfolio purchases, bank acquisitions and mergers.

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Credit Training

Workshops for your front line sales as well as credit associates.

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About our risk management model

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.

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Financial Institutions
core cash drivers
SRM managed portfolios