Request a Commercial Loan Review Proposal

Tell us about your institution and the services you’re interested in, and we’ll follow up with a tailored proposal. Commercial loan review proposals may be discussed over videoconference, phone, or email.

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What to Expect When Requesting a Proposal

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Every financial institution has different objectives, portfolio characteristics, and regulatory considerations. For that reason, we don't believe in one-size-fits-all pricing or standardized engagement scopes.

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When you request a proposal from Chaston Associates, we'll begin with a conversation to better understand your institution, your goals, and the scope of work you're considering. Whether you're seeking an independent commercial loan review, merger and acquisition due diligence, ACL validation, stress testing, or another credit risk service, we'll work with you to develop a proposal tailored to your needs.

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Our proposals clearly outline the recommended scope of work, estimated timeline, deliverables, and pricing so you know exactly what to expect before making a decision.

 

Questions We Commonly Discuss

• Size and composition of your loan portfolio

• Desired sample size or review penetration

• Regulatory expectations or examination timing

• Internal staffing and available resources

• Project timeline and reporting requirements

• Budget considerations

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In-House vs. Outsourced Loan Review

Many institutions ask whether it is more cost-effective to perform loan review internally or engage an independent third party. The answer depends on factors such as portfolio size, staffing levels, reviewer experience, technology costs, training requirements, and the frequency of reviews.

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For some institutions, maintaining an internal loan review department provides ongoing oversight. For others, outsourcing all or part of the review process can reduce overhead, provide access to experienced reviewers, improve independence, and eliminate the costs associated with recruiting, training, software, and employee benefits.

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We're happy to discuss both approaches objectively. Even if you ultimately decide an internal solution is the best fit, we're glad to share our experience and help you evaluate the advantages, costs, and practical considerations of each option.

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Transparent Pricing

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Because every engagement is unique, we prepare custom proposals rather than offering fixed pricing packages. Our goal is to recommend the level of review that best aligns with your institution's risk profile, regulatory expectations, and budget—not to sell services you don't need.

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If you're exploring options or simply looking for a second opinion on how to structure your loan review program, we welcome the opportunity to have a conversation. There is no obligation, and we're happy to discuss scope, pricing, scheduling, or whether outsourcing makes sense for your institution.