Financial institutions of all sizes are under escalating scrutiny relative to the effectiveness of their risk management practices.  These practices run throughout the organization and must be appropriate for the type and amount of risk found at every level within the organization.

As a result of increasing regulation and heightened scrutiny, senior management is required to spend increased amounts of time developing, monitoring, adjusting, improving, and explaining its risk management practices to the company’s Board of Directors and regulatory personnel.  This requirement comes at a time when:

• asset quality may be deteriorating;
• earnings may be declining and in many instances, are non-existent;
• capital levels are under pressure and in numerous cases, below regulatory guidelines;
• capital availability is minimal and when available, very costly.

Applied Facts’ staff has the expertise to assist bank management in effectively addressing these issues, among others, thereby helping to achieve the institution’s desired risk profile.

Applied Facts’ consultants are proven professionals who have successfully managed, transitioned, developed turn around strategies, and grown numerous banking entities.  Our team is well versed in:

• Strategic planning facilitation
• Operations assessment and recommendations
• Regulatory relationship building
• Balance Sheet and Income Statement management
• Board relationships and development
• Compliance with regulatory requirements, including Sarbanes-Oxley
• Shareholder relationships
• Fraud control assessments
• Work out strategies and internal/external loan reviews

Because of our team’s extensive experience, Applied Facts’ consultants are able to interface directly with senior management to collectively address the institution’s issues, jointly develop a plan(s) of action, and implement a plan of action.  Applied Facts’ consultation program is designed to allow the institution’s management to devote its time and attention to the day-to-day requirements of running the business while still executing its desired risk management strategy.

We believe strongly that our responsibility to you as our client does not end until we personally assure you and ourselves that we have achieved your target objectives.