Chaston is a strategic partner to banks, credit unions, and other specialty lenders, providing assistance for regulatory alignment and corporate oversight.  We tailor loan review samples to the specific needs of each client. An appropriate target for portfolio penetration is agreed upon by the Chaston team and client management, with focus driven by problem sectors, market concerns, or pockets of growth. Relationships are viewed in a comprehensive manor, with risk ratings applied at the loan level based on borrower capacity, collateral protection, and applicable guarantor support. Chaston’s focus is on independent assignment of risk ratings utilizing the client institution’s standards. Source data is reviewed for such assessments to ensure independence. Loan review deliverables include:

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• Individual borrower write-ups, detailing Chaston’s risk rating assignments loan-by-loan

• Ongoing reports that track loan policy exceptions and risk rating change recommendations

• Comprehensive Loan Portfolio Analysis that outlines the risk profile of both Chaston’s sample and the entire client portfolio, with comparative data utilized for benchmarking various aspects of the client portfolio (see Peer Benchmarking)

• Assessment of client concentration reports and internal portfolio compliance reports

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Chaston offers direction not just at the time of review, but throughout the engagement year as new regulatory guidance is issued and specific industries are impacted.