• Identify any variable rate loans that are to reprice in 2017 and 2018 and stress test their DSCR based on increasing the rates by 1% and 2%.  Discuss results with Borrowers where cash flow is tight.

• Identify, monitor, and mitigate risk associated with collateral properties where the current Net Operating Income (NOI) does not support debt payments.  Compare the NOI based on most recent financial statement/tax return to that used to establish the collateral value.  Global DSCR may be acceptable, but these loans will eventually lead to credit problems if left unchecked.

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In addition to knowing how much risk is present in your concentration categories based on TGA's independent loan review, our clients will now have detailed reports on risks associated with these industries, in order to make better informed decisions in managing the credit risk in these portfolios.

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A bank’s highest pass risk rating (just before Special Mention) is often referred to in the industry as “Pass/Watch.”  This is an extremely important risk rating and it’s important that the bank use it correctly.

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We are pleased to announce that due to continued growth over the past eight years, we are in need of more space and will be relocating to expanded offices on March 1st.  While we will miss the vintage setting of the former Historical Society Building (pictured right), we are certain the move will enable us to better serve our clients.  Our staff also look forward to all benefits that a professional business park offers.  We invite you to pay a visit soon!

Our new address will be:  5795 Widewaters Parkway, Dewitt, New York 13214.  Our phone numbers will not change.