We provide comprehensive enterprise risk management solutions designed to identify, evaluate, and mitigate risks that could impact your organization’s strategic objectives. Our expertise ensures robust risk assessment and credit risk oversight to protect your financial health and operational integrity.  We offer services ranging from Enterprise Risk Management (ERM), Loan Rating & Loan Review, Credit Risk Analysis & Asset Management, Credit Policy, Loss Mitigation, and ALLL.

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Enterprise Risk Management (ERM)

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We help organizations build and strengthen enterprise risk management programs that align with strategic goals and regulatory expectations. From designing ERM frameworks to establishing risk appetite and governance structures, we provide end-to-end support tailored to your business. Our services include risk identification and assessment, board and management reporting, risk committee support, and integration of risk insights into planning and decision-making. Whether you're building an ERM function from scratch or enhancing an existing program, we bring the experience and perspective to create a practical, actionable approach to managing risk across the enterprise.

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Loan Rating and Loan Review

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As part of providing Risk Management services, we perform individual loan reviews and help establish the proper loan rating to help meet all regulatory requirements and help keep the ALLL consistent.

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Credit Risk Analysis & Asset Management

At BMF we look at your entire loan portfolio and current credit offerings an break it into specific risk components to evaluate your credit risk.  We model and track all significant loan characteristics to offer solutions to help reduce risk and increase lending in the most profitable areas.

• Specific loan characteristics we review to build out our credit model to identify risks

  • Loan Type

  • Loan Collateralization

  • Loan Characteristics

  • Geography & loss trends associated with specific States

  • Current loss ratios 

  • Borrower Strength

    • Cash Flow

    • Income

    • Value of Collateral

    • Credit

    • Changes in Borrower Financials

  • Qualitative and Environmental Factors

• We Identify new and existing trends in the portfolio’s performance and compare it to National trends and Benchmarks to show performance compared to industry averages.

• Stress test analysis to meet all regulatory requirements

• Access the effectiveness of recovery efforts and make recommendations 

 

At BMF we will review the profitability and margins of the existing and forecasted portfolio and factor in credit risks & losses to determine which products are the most profitable to help maximize revenue and profitability.

 

Credit Policy & Review 

At BMF Executive Solutions we can help establish new Credit policies along with reviewing the existing credit policies.

 

• Establishing and review loss mitigation policies

• Establish or review methodology & Policies for the ALL

• Establish and review collateral valuation policies for loan loss reserving

• Establish and review methodology and policies for stress testing

• Establish and review policies for Loan Review 

• Establish and review polices for Loan ratings

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Loss Mitigation 

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Credit losses may be a part of doing business for financial service companies however we can help establish policies and procedures to help control and reduce credit losses.  We help establish polices and guidelines to help reduce and identify credit losses early.  We do a deep analysis of your portfolio looking at all possible loan characteristics to determine what attributes are causing your institution the largest losses so that you can make the adjustments to your underwriting to reduce them.  We will also work with pricing to incorporate risk based pricing so that you will have the appropriate margin to coincide with the level of risk your are writing.

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CECL

We can help design your ALLL or help you run and calculate your ALLL each month to ensure compliance with the new CECL updates.  AT BMF Executive Solutions we look at past events, current conditions, and reasonable and supportable forecasts of collectability of the Banks financial assets to evaluate the Banks Allowance for Credit Losses.

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• Design ALLL using various methodologies 

  • Loss Rate

  • Vintage Analysis

  • Probability of Default/Loss Given Default

  • Discounted Cash Flows

  • Life-of-loan estimates – To determine the life of the loan we take the weighted average life of the loan (by portfolio) to estimate the time frame to forecast losses Over. Banks can quantify these estimates by using average historical loss data.

• Test and Review ALLL and ACL Methodology