CREDIT ADMINISTRATION

Dittrich & Associates is a team of highly qualified bankers ready to assist community banks in determining the appropriate credit strategy in today’s banking and regulatory environment.  Our bankers have been involved in the successful implementation of sound credit policies and procedures for community banks throughout the country.  We can provide an objective evaluation of a bank’s overall credit administration function to identify the areas of greatest need.  Policies and procedures are developed, and then implemented to achieve optimal risk management of the loan portfolio. In every case, it is our goal to equip the bank with the resources and training for successful implementation on a long term basis. 

Dittrich & Associates provides experienced bankers that can assist the bank with the following critical components of Credit Administration:

ü  Evaluation and enhancement of the bank’s credit policies and procedures in order to be certain that a “best practices” culture is in place for sound lending and risk management of credit.

ü  Implementation of specialized credit policies relating to loan concentration, appraisal ordering and review, management of deteriorating assets, establishment of a special assets function, and other “best practices” to insure optimal risk management, while providing the flexibility necessary to build the loan portfolio.

ü  Selection, negotiation, implementation, and training for systems that will allow for the proper reporting of credit risk (grading), loan migration analysis, and ALLL calculation.

ü  Evaluation of credit reporting systems for management and the Board of Directors with recommendations for enhancement.

ü  Evaluation of all loan operation functions to insure compliance and efficiency consistent with bank policies and procedures.

For more information about how the team at Dittrich & Associates can help your community bank thrive and succeed in today’s challenging environment, contact us today.