Who We Are

ISG is a commercial loan review company that focuses on the community banking industry. We offer an impartial third-party evaluation of your institution's commercial lending practices, assisting in the validation of your policies, procedures, and guidelines. Our services ensure that your lending activities uphold credit quality and effectively manage risks.

Our firm boasts a wealth of experience and expertise acquired through diverse economic cycles, equipping us to offer practical and significant insights and counsel. Our experienced team appreciates the critical nature of accurate credit quality assessment and the determination of credit risk acceptability. We base our best practice recommendations on our extensive knowledge of credit administration and our grasp of regulatory expectations.

ISG combines the extensive knowledge typical of large institutions with the personalized service and attention characteristic of community banks. We conduct thorough research and consider each of our clients as distinct partners, catering to their specific needs and preferences.

Drawing from our experience as former bankers, we recognize the pressures faced by commercial lending teams. Our methodology is crafted to assess and deliver an impartial professional judgment regarding the bank's commercial lending procedures and credit integrity.

We empower our clients by actively offering strategic feedback and solutions tailored to their needs. At a fraction of the cost of hiring a full-time employee, our clients benefit from a continuous, independent third-party evaluation of their commercial underwriting process.

Alongside reviewing your analysis, we conduct an independent underwriting on our platform and juxtapose the outcomes. ISG works in tandem with our clients to develop independent commercial loan review assessments, aiding management in discerning the risk profile of the portfolio, as well as the bank's mechanisms and procedures for detecting, supervising, and managing credit quality.

Our service includes a comprehensive quarterly review of our clients' commercial credit underwriting, portfolio management, and adherence to their policies, procedures, and guidelines. We meticulously organize the commercial loan review process to guarantee that the key attributes of each loan in the sample are thoroughly assessed.

Drawing from our expertise, we can provide recommendations and best practices to improve the institution's policies and procedures, thereby reducing credit risk. A standard ISG review involves evaluating your underwriting practices and standards, with all loans being assessed for credit quality.

A commercial loan review program is not merely a luxury; it is a necessity for a strong lending program. It enhances management's ability to quickly identify problematic loans and acts as a continuous affirmation of the bank's adherence to its lending policies, procedures, and guidelines. Additionally, it aids senior management and the board of directors in assessing the bank's overall risk exposure and in deciding whether an increase in capital may be required in the future.

ISG's commercial loan review helps clients identify portfolio risks and evaluate the sufficiency of their monitoring and credit quality management processes. Ensuring compliance with the bank's credit policies, procedures, and guidelines is crucial for controlling risk appetite and maintaining loan quality standards within a commercial loan portfolio.

The commercial loan portfolio is a significant asset for financial institutions, and implementing a professional, objective, and efficient commercial loan review program is crucial for protecting and overseeing these assets. This is an essential component of a robust credit risk management strategy. To ensure independence and objectivity in the loan review process, many large banks maintain a separation between the loan review staff and the loan department.

Banks that boast high-quality portfolios frequently conduct independent commercial loan reviews to uphold their credit standards. Those aiming to enhance their portfolio quality utilize these reviews to gain an accurate assessment of their risk profile and to obtain suggestions for advancement.

Initially, we will enter into a one-year contract along with a non-disclosure agreement. This duration is sufficient to thoroughly assess your commercial lending activities, and it assures you that the commitment is limited to one year. Nevertheless, we are optimistic that you will choose to extend our partnership beyond this period.

At the start of the engagement, ISG will gather your commercial loan policies, procedures, and guidelines, along with six commercial credit presentations and their accompanying financial information for analysis. At the quarter's end, we will deliver the findings from our review of your commercial loan policies, procedures, and guidelines, an evaluation of the six individual credits, and a comprehensive assessment of your commercial lending practices. This procedure will be replicated across the subsequent three quarters, culminating in twenty-four individual commercial loan reviews annually.

ISG maintains a strict adherence to client confidentiality and data protection. Due to security concerns, all information is collected in person, whether through hard copies or electronically on a zip drive.