Stressed-Credit Governance Review
The risk seat's recurring monitoring tier. Each quarter we review how your watch-list actually governs itself: whether escalation triggers fire when they should, whether the committee record would survive an examiner's or an investor's read, and whether the files on your criticized credits support the ratings they carry. Findings in a one-hour readout, before any of it becomes an event.
Who calls us
The situations
- Community and regional banks that want a second set of eyes on watch-list and risk-rating discipline between loan reviews and exams
- CROs and boards that need independent confirmation the escalation framework works in practice, not just on paper
- Banks preparing for an examination, and credit funds preparing for due diligence or an annual investor meeting
What you receive
The deliverable
A quarterly exception-based readout with specific fixes, a one-hour session with the Chief Credit Officer, the Chief Risk Officer, or the committee, and a board-ready summary. As much or as little goes to the board as you choose.
Review, test, read, report
Review the watch-list process
Entry and exit criteria, information cadence, who decides what and on which numbers.
Test escalation discipline
Did the triggers that should have fired actually fire last quarter, and what happened next.
Read the record
Committee minutes and credit files on stressed names, against what an examiner, auditor, or investor would expect.
Report
A quarterly exception-based readout with specific fixes, plus a board-ready summary. **Why it is the recurring first engagement** Priced as a recurring governance line item, like the mark review. It earns trust, keeps us current on the book, and means that when a credit does stress, the advisor already knows your process, your documents, and your names.
Common questions
Straight answers
How is this different from our loan review?
Loan review re-grades a sample of credits. This review tests the process around the credits already on the watch-list: whether ratings move when they should, whether escalation happens on time, and whether the record supports the decision. The two work together.
Does it overlap our compliance function?
No. Compliance tests regulatory obligations; we test credit-decision governance: whether stressed credits get decided well, on time, on defensible records.
What does the board see?
As much or as little as you choose. Most clients share the quarterly summary; the detailed exceptions stay with management.
A second set of eyes on the watch-list
Quarterly, exception-based, one hour of your committee's time.