OUR SERVICES
ALM Services// 01
Our core expertise lies in providing Asset Liability Management (ALM) and Interest Rate Risk Consulting tailored specifically for community banks. Our services include conducting annual independent validations and reviews of ALM programs, as well as specialized analyses such as deposit studies, prepayment analysis, backtesting, and data validation.
What sets us apart from competitors who often rely on staff-level auditors using generic checklists is our deep, hands-on experience. With over 20 years in the banking industry, we’ve not only set up and managed ALM models but have also operated both in-house and outsourced models with leading vendors.
If you’re looking for confidence in your ALM process and results, we’re here to help. We provide a comprehensive, end-to-end review of your entire ALM program. This includes:
- Data validation
- Chart setup
- Repricing assumptions
- New business assumptions and setup
- Interest rate scenarios
- Stress Testing / Sensitivity Analysis
- Report analysis
- Policy guidelines and limits
- Governance and Documentation
Our goal is to ensure your model delivers accurate, reliable results while adhering to **industry best practices**. Let us help you optimize your ALM process—contact us today!
CECL - Credit Risk Services// 02
Another key service we offer is independent reviews of the Current Expected Credit Loss (CECL) program at community banks. This service is particularly critical in today’s environment, given the ongoing impacts of the pandemic and heightened regulatory scrutiny around post-pandemic credit risk.
We provide comprehensive, independent reviews and validation of your CECL model and calculations, ensuring they align with Regulatory Model Guidance.
Our analysis supports your assumptions through:
- Historical loss rate analysis
- Loan portfolio segmentation
- Loss Estimation Methods
- Loan migration analysis
- Validation of quantitative and qualitative factors
- Governance and process documentation
Beyond CECL, we also specialize in Credit Risk Management and Monitoring. Our team can help you establish enhanced monitoring processes** for Concentrations of Credit and assist in reviewing or implementing your CECL methodology.
Additionally, we guide community banks through the ongoing implementation and optimization of CECL requirements. This includes addressing new data capture needs and refining loss reserve methodologies to meet the latest standards.
If you’re looking for expert support in navigating these complex areas, contact us today for a free consultation. Let us help you strengthen your credit risk framework and ensure compliance with evolving regulatory expectations.
Strategic Planning & Budgeting // 03
A hallmark of high-performing businesses is a robust strategic planning and budgeting process. For banks, this is not just a best practice—it’s a critical risk management tool. Whether you prefer to manage this process internally, outsource specific components, or simply fill personnel gaps, we are your trusted partner.
With over 20 years of experience working with banks in FP&A, we can support your entire strategic planning and budgeting journey. Our services include:
- Market research and peer comparisons
- Facilitating strategic planning sessions
- Developing 5-Year Financial Plans
- Preparing and analyzing Annual Budgets
- Setting organizational targets and goals
- Aligning department and individual objectives with your incentive system
We also provide reviews and reporting based on financial and operational metrics, ensuring your action plans stay on track.
Additionally, we can help design and implement an incentive plan structure that aligns your team’s efforts with your corporate goals, driving performance and accountability.
This comprehensive approach is what distinguishes high-performing companies from the rest. Ready to elevate your strategic planning and budgeting process? Contact us today for a free consultation. Let’s work together to achieve your vision.
Financial Analysis Services// 04
We also specialize in providing financial analysis for banking institutions and companies across various industries. If your organization, like many others, operates with a lean accounting and finance team, we’re here to bridge the gap.
Our services are designed to meet your specific needs, whether it’s a one-time project or ongoing support. We can assist with:
- Financial analysis projects
- Automating reporting using tools like Excel and Access
- New product pricing analysis
- Feasibility studies
- Building financial or staffing models to support your growth
One of our key strengths is helping you tackle those "low-hanging fruit" projects that often get overlooked but are critical to adding value to your finance department.
From peer analysis and benchmarking to loan pricing, new branch profitability, staffing models, and FAS 91 studies, we have the expertise to deliver actionable insights.
If you’re looking to enhance your financial operations and drive better decision-making, give us a call today for more information. Let us help you achieve your goals with precision and efficiency.
CPA Tax Preparation and Planning Services// 05
We have provided tax preparation services and tax planning for almost 20 years. Our main area of expertise is working with high net worth individuals and small businesses with more complicated returns.
We focus on complex returns that involve multiple streams of income and expense. This includes or High Net Worth Individuals, S Corps, C Corporations, Partnerships and other entities. In addition, we offer tax planning services so you can appropriately manage your tax liabilities and avoid costly surprises!
Specific Returns we handle are as follow:
- 1040 Individual Returns
- 1120S - S Corp Returns
-1065 - Partnership returns and K1s
- 1041- Estate Income Tax
Contact us for a free consultation today!
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