We help our clients to reach their goals by providing them with informed, objective advice regarding implementation alternatives.

Why Choose Us

We help clients measure, monitor and mitigate balance sheet risk on an integrated basis. We consider credit, interest rate, and liquidity risk on a holistic basis recognizing a financial institution can implement multiple strategies to meet its strategic objectives.

Financial institutions can choose from a myriad number and type of vendors to help them manage their balance sheet. Some focus on software solutions while others offer consulting advice.

Providers often specialize – one type of software vendor offers credit loss estimates while ignoring interest rate risk. Another type focuses on interest rate risk management and considers credit risk at the aggregate level. Similarly, some advisory firms provide investment advice only, while others provide detailed advice on a single loan type – residential real estate or indirect auto.

Providers are also compensated in different ways. Software vendors often seek long-term contracts with onerous deconversion costs and investment advisory firms are generally compensated through commissions based on the sales and purchases of investments.

This array of options can make choosing a vendor a complex endeavor trying to identify expertise while being aware of potential conflicts of interest. We are different. We charge a fee for our advice so we do not have a financial bias as to the solution(s) a financial institution opts to implement. We simply want what is best for our client.

Our Approach

We offer this service to our ongoing ALM advisory clients and our what if scenarios are informed by the inputs we have derived to measure and mitigate interest rate, liquidity and credit risk. Our credit loss estimates are derived in full accordance with CECL and thus directly include macroeconomic forecasts. We work with our clients to iteratively develop alternatives including growth, change in product mix on both sides of the balance sheet, and loss results under varying interest rate and credit conditions. Through the process we quantify the effects on a financial institution’s capital and consider liquidity risk. Because we consider interest rate, liquidity and credit risk holistically under multiple potential macroeconomic conditions our clients can make informed decisions regarding and risk and return and implement the strategy that works best for them.