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Caused by a variety of things (inexact credit standards, inadequate portfolio risk management, or a weak economy), issues with the loan portfolio are traditionally one of the most prevalent causes of bank failure.
Effective loan portfolio management (LPM) is critical to a bank’s short- and long-term success. This process helps bank leadership assess, manage, and control the risk that is a given part of the credit process.
Credit Portfolio Review
Birchwood’s Credit Portfolio Review is a streamlined, cost effective risk management solution that enables you to evaluate both positive and negative changes to your accountholders’ credit status on a weekly, monthly, quarterly, or as-needed basis. It helps you effectively manage your portfolio risk and accountholder relationships.
Flood Portfolio Review
More fines are levied for flood violations than any other type of violation. According to the 2011 FDIC Annual report, 80% of the fines issued by the FDIC in 2011 were flood related. The Biggert-Waters Flood Insurance Reform and Modernization Act passed in June 29, 2012 included an increase for penalties against lenders from $350 to $2,000 per flood violation and removed the annual cap on flood violation fines.
Birchwood’s flood portfolio review helps you meet compliance requirements and maintain accurate flood certifications.
To learn more about our Credit Reporting, Verification Services, Compliance Services and Property & Valuation Services, call us any time between 8:30 AM and 8:00 PM ET. Our expert, FCRA-certified staff will be standing by to answer your questions and deliver immediate assistance and the best experience available in the industry.
Birchwood Credit Services: Because you deserve better.
800-910-0015 | firstname.lastname@example.org