METHODOLOGY

Strategic Planning.

Develop long-term strategic plans, including organic growth, new products, expansion through acquisitions, productivity improvements, and right-sizing through asset sales and divestitures.

Merger, Acquisition & Divestitures.

Develop acquisition & divestiture strategies, and conduct detailed diligence of target institutions and acquirers. Our diligence efforts identify credit, risk management and transaction risks, and challenges to integration objectives. We provide insights into critical value, risk factors, and potential pitfalls in financial institution acquisition and growth strategies.

Management Diagnostics.

Conducts in-depth, fact- and data-driven management diagnostics, focusing on areas where management can most effectively influence productivity, financial results, organizational effectiveness, and resource allocation while reducing risk and strengthening long-term health.

Integration & Conversion Support.

Utilize a comprehensive, fact-based approach to assist management with business, operational, and IT integration, using standardized project management tools and templates, processes, and comparable metrics. We work closely with management to facilitate target business models, critical business and regulatory requirements and key outcomes. We then work with middle management and employees to establish plans to ensure solutions are implemented on time and under budget.

Loan & Portfolio Reviews.

Develop workouts for troubled credits and sale of distressed loans & REO. Our team includes former lenders with experience in all facets of lending, including C&I loans, Small Business (including SBA), Commercial Real Estate, Factoring, Asset-Based Lending, 1-4 Family residential mortgages and HELOCs, Consumer Installment Loans, Consumer Finance, Private Banking Loans, Aircraft Loans, Commercial & Consumer Leases, and many more.

Technology and Operations Improvement.

Consult with clients (pre- or post-merger) to assess, optimize, and implement enhancements to their technology and operations environment, improving control while reducing costs and mitigating risk. We facilitate development of a customized strategy and detailed execution plan, enabling our clients to successfully navigate the complex and rapidly evolving technology landscape.

Buy and Sell-Side Advisory Services.

Enable our clients to achieve maximum success and value. We work with management to identify the range of optimal strategic options available. When raising capital, our team prepares the confidential information memorandum highlighting opportunities to an acquirer. We provide independent analysis of the value of a proposed transactions based on its structure and the form of consideration. The team works with clients to assist in post-transaction integration.

Provide advisory services to clients focused on the turnaround of failed or failing institutions. We can guide your organization through the FDIC bidding process to find, structure, and capitalize on the right opportunities for your organization. FDIC-assisted transactions have unique financial, accounting, legal, regulatory, tax and operational issues, so it is important for acquirers to work with an advisor with experience.