CRM delivers market-proven due-diligence solutions to a range of clients – banks, investment bankers, equity investors.
Successful loan-portfolio due diligence rests on accurate predictions of potential capital needs, and thus Allowances for Loan and Lease Losses (ALLL). We identify which loans meet the regulatory definition of impaired, and determine the most realistic reserve estimate (required for Individual Loans ASC 310-10-35, Receivables — Overall — Subsequent Measurement [formerly FAS-114]).
CRM calculates the adequacy of any Loan Loss Reserve using our proprietary ALLL Model – an estimating tool that integrates two decades of experience with the most recent comprehensive federal regulatory guidance (issued Dec. 2006):
Particularly since the beginning of the financial crisis, investment banking firm Sandler O’Neill + Partners, L.P. has worked with Credit Risk Management, LLC numerous times. Credit Risk Management has provided reviews and estimated credit marks for bank portfolios in both capital raise and M&A engagements. The firm combines deep traditional domain credit knowledge with state-of-the-art quantitative modeling – the best of both worlds.
Principal, Investment Banking
Sandler O’Neill + Partners, L.P.
I have worked with CRM for many years in several challenging situations and have found they apply the highest level integrity and ethics to the assignments they are given.
William J. Wagner
Financial Services Investment Banking Group
Raymond James and Associates