Expertise and tools for smarter loan reviews, stress testing and credit management.
With IntelliCredit’s services, you’ll benefit from efficiency, collaboration and transparency delivered by experts with decades of credit experience. Read more about our leadership team.
Smart Loan ReviewTM Service
Regulators say the uncertainty in today’s loan portfolios has never been greater — and the onus is on your institution to quantify and reduce it. This is no time for outdated loan review methods that hold you to endless meetings and countless intrusions. Or for vendors whose first response is a fee increase.
Add IntelliCredit to your list of bidders for your next loan review and benefit from:
Deep Credit Expertise + Online, Real-time Portal
IntelliCredit
Smart Loan Review
Smart Loan Review
| Expert credit review by professionals with decades of credit risk experience (unlike junior CPAs) |  |
| Document review by paralegal specialists included | |
| Online portal lets you track progress as it happens, 24/7 | |
| Immediate visibility of each write-up, exception and risk-grade change | |
| Real-time exception clearing and grade-change confirmations eliminate back-and-forth hassles | |
| Dramatically faster process all but eliminates constant intrusions and endless meetings | |
| Collaborators stay well informed and up to date — no need to rehash what’s happened/coming when making decisions | |
| 12 months free access to our tools and analysis of your entire portfolio (i.e., pricing for risk, collateral valuations, loan vintages) | |
| Comprehensive management and high-level board reports, with public/peer data credit comparisons, are included | |
| We'll MEET or BEAT the price of your last loan review | |
Benefits you'll gain:
- Tremendous time savings
- Fewer meetings and intrusions
- Huge efficiencies and process transparency
- 12 months free access to our tools and analysis of your entire portfolio
Our Loan Review Services Deliver Huge Time Savings.
And we'll MATCH or BEAT your last price.
Loan-level Stress Testing Services
Stress testing is no longer optional, with regulators increasingly emphasizing its importance during examinations, particularly for loan-level stress tests. We’re committed to making this an easy process for your bank by performing your loan-level stress test for you—providing a more accurate assessment of credit risk and current losses within your portfolio. You’ll receive practical deliverables that identify the most vulnerable loans and borrowers (by loan product) under stressed conditions.
- The process: IntelliCredit's process eliminates the need for costly and time-consuming look-back studies.
- Minimal data, fast turnaround: Minimal data is required to get started, including a single loan system file, a current list of impaired loans, and optional capital plan assumptions.
- Our methodology: We use Probabilities of Default (PD) and Loss Given Default (LGD) for more accurate, portfolio-specific results compared to historical net charge-off methods.
- Tailored scenarios: Scenarios customized to each institution’s specific needs and risk tolerances across various loan segments.
- Flexible services: IntelliCredit can incorporate as a component of your loan review or as a standalone service.
Get a brief consultation on our Stress Testing Services, followed by a personalized Quote.
Document Review Services
IntelliCredit offers documentation reviews as part of our loan review service and as an independent offering.
- Our qualified paralegals perform comprehensive loan documentation reviews – a critical aspect of the loan review process and portfolio health
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Provided with the flexibility to suit your needs:
- As part of IntelliCredit's Smart Loan Review Service (a huge differentiator from other providers)
- As a standalone offering
- As an ongoing operational service for reviewing documentation as loans are closed, independent of a loan review
- Documents are inspected for the accuracy, completeness and enforceability of items including promissory notes, deeds of trust/mortgages, security agreements, UCC filings, borrowing resolutions and more.
Credit Consulting Services
Our experts are available to perform additional credit-related consulting services including, but not limited to:
- Credit Policy Review – IntelliCredit experts review credit policies and procedures, suggest needed changes, and participate in rewriting the guidelines based on findings.
- Credit Culture Review – Our credit experts engage in reviews with the Board of Directors and executive management to evaluate and opine on the institution's credit culture, policies and procedures compared to the industry’s best practices.
Interested in more info?
Talk to one of our specialists.