We offer community banks access to executive-level commercial credit management support on a project-specific or as-needed basis.
- Special Asset Management
As the number of distressed assets has grown, the management of these unique asset portfolios now takes up an unreasonable amount of time and attention for many financial institutions. We assist client banks who lack the staff or knowledge in special asset management by assisting them in appraising these assets swiftly and efficiently in order to maximize their value. We can provide Special Asset Management Services such as the following:
- An evaluation of your bank’s distressed assets, as well as thorough workout advice, such as bankruptcy navigation, strategic workouts, foreclosure/deed-in-lieu assistance, and liquidation plans.
Select distressed loans in your special asset portfolio are managed directly and functionally, with thorough workout advice.
- Credit Training and Mentoring
Client institutions can receive tailored commercial and real estate credit training from UK Welltech. This course can be customized for big classrooms or smaller groups/one-on-one sessions. We may also assist with the establishment of a credit department and provide coaching and mentorship to new or inexperienced Chief Credit Officers.
- Loan Review Services
UK Welltech can provide independent value-added loan evaluations for client banks, assessing credit quality/risk as well as adherence to internal rules and regulatory requirements. The following are some of the services available:
- Assessment of chosen borrowers’ repayment risk.
- Assessment of the accuracy of risk grades assigned by loan officers.
- Assessment of a loan portfolio’s overall quality, as well as recommendations for systemic improvements. When appropriate, this would include particular client credit recommendations.
We can tailor Loan Review services for your bank to include the following in order to work effectively with your team:
- The entire Loan Review job is being outsourced.
- Services that work in conjunction with your bank’s existing Loan Review team
- Special projects focusing on certain loan portfolio areas