About Merit Partners Services

Loan Review Programs:

Comprehensive Loan Review
MERIT provides a choice of Comprehensive Loan Review programs, specifically tailored to your bank’s needs, providing a total outsourced solution for your bank. Comprehensive Loan Review provides complete reporting and follow-up with senior management including, if requested, Board/Audit Committee Presentations.

Complementary Loan Review
For clients who prefer to maintain certain facets of the process in-house, MERIT provides complementary services and personnel, with procedures and systems directed by the client.

Other services:

Regular review and consultation on:

– Policy and Procedures
– Allowance for Loan Loss Reserve
– Sensitivity Analysis

Appraisal Review
At MERIT, we review commercial appraisals across several major metropolitan areas on a wide array of property types. Additionally, we stay abreast of changes in USPAP and Advisory Bulletins regarding appraisals. We provide our clients the opportunity to leverage this perspective in the review of their commercial appraisals, providing objectivity and insight.

Due Diligence Support
Whether your bank is purchasing another bank or a portfolio of assets, it makes sense to avail yourself of professionals who have the experience of assessing commercial portfolios across many banks. We are experienced in all forms of commercial lending structures, including: Construction (commercial and residential), C & I, Small Business and Asset-Based loans.

Credit Training
We provide customized training for your credit analysts and officers on various underwriting and analysis techniques. Training can be designed for individuals as well as groups.