Consulting

The Capital Corporation L.L.C., brings experienced, hands-on guidance to financial institution’s Boards of Directors and management to assist them with the temporary issues that confront them due to regulatory, management, or safety and soundness issues. 

Financial institutions are increasingly finding themselves with regulatory and credit quality challenges that existing Boards of Directors and management cannot resolve in a timely manner.  While these may be temporary issues, alternatives are often limited due to shortages of personnel and pressures to control overhead.  The team of professionals at The Capital Corporation can assist you with temporary assistance or intermediate term outsourcing with the following issues, as needed: 

LOAN ISSUES:

•	Assisting the Board in revising the Bank’s Policies and Procedures to comply with all regulatory actions;
•	Assisting the Board in evaluating and developing necessary committees for the guidance and oversight of active management;
•	Implementing a loan review process and internal grading system that identifies credit risk in individual loans and in the whole loan portfolio;
•	Assisting management in workout situations with borrowers and their counsel by developing individualized written plans of action;
•	Evaluation of loan administration and underwriting standards.

REGULATORY ISSUES:   

•	Act as a liaison with the Regulators;
•	Addressing the issues identified by the regulators and providing written progress reports as required;
•	Bringing a sense of urgency and independent objectivity to the development and execution of a written plan of action to  address these issues.

BOARD ISSUES:

•	Provide education and direction to the Board on regulatory issues ;
•	Assist Board in developing plans to address regulatory issues;
•	Act as a liaison with the various regulatory agencies;
•	Assist Board in developing a capital plan and coordinate the capital plan with income and maturity simulations;
•	Work with ownership on raising new capital.

MANAGEMENT ISSUES:

•	Assisting the Board in evaluation of bank management to determine whether those individuals possess the ability,      experience and other qualifications required to perform present and anticipated duties;
•	Assisting the Board in finding, hiring and retaining qualified management individuals;
•	Serving as interim management.