Credit Risk Management

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Your Credit Risk Management Partner Since 1984

Supplement your credit team with ours!

Do you need help processing Paycheck Protection Plan (PPP) loans? How about evaluating loan forgiveness requests? We can help! Our team is comprised of experienced senior level credit personnel. Let us assist your internal team during these challenging times.

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Risk Rating Loans for Borrowers Impacted by COVID-19

In their Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus issued on March 22, 2020, the regulatory agencies made it clear they “…will not automatically adversely risk rate credits that are affected by COVID-19, including those considered TDRs.” Adverse risk ratings are Special Mention, Substandard, Doubtful, and Loss. Consequently, just because you modified a loan for a borrower impacted by COVID-19, does not mean you have to rate those loans Special Mention or worse.

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Remote Reviews

TGA has been performing reviews remotely for many years now, well before any other loan review companies. With our proprietary Loan Review System, clients are able to monitor our risk rating assignments in real time and read in-depth analysis of each loan independently assessed. We are able to utilize the remote method you are most comfortable with: direct VPN tunnels; using client provided laptops, tokens, remote desk tops, GoToMyPC, etc.

Learn more about our ability to provide this essential service in the least non-intrusive way possible, so your team can concentrate on other priorities.

Appraisal Reviews and Stress Testing

In conjunction with loan review, let TGA take care of all your appraisal review and stress testing needs. This can eliminate having to do costly and time consuming vendor due diligence requirements on several firms.

Our appraisal reviews are all done by licensed, experienced appraisers. Our pricing and turnaround time are the best in the industry.

Our CRE Stress Testing will let you know which borrowers have high probability of default and high probability of loss based on current Net Operating Income (NOI), as well as four different stress test scenarios related to interest rate, cap rate, and vacancy factors. Need to know how many months your borrowers can go without their tenants paying rental income, we can provide that!!!