Special Assets · Asset Quality Review · Stress Testing · Credit Policy Enhancement · Process Improvement

Texas Credit Advisory

Underwriting Controls · Credit Policy Enhancement · Capital Impairment Resolution

Austin, TX

The Current State of Bank Regulation

Banks often clear an exam while underwriting stays thin. Credit problems are masked by underwriting techniques. Credit approvals are often persuaded on theories that deteriorate with cracks in the economy. Risk is masked by underwriting techniques. Minimum DSCRs at approval, reliance on non-collateralized liquidity, and credit policy exceptions often lead to an avoidable impairment of capital.

Underwriting is the foundation of credit quality, yet is often completed by some of the least experienced employees with little practical experience. Getting this part right needs to be a priority.

Regulatory requirements are loosening. Most bank examiners today have never downgraded a loan. They offer supervisory observations and you receive a pass grade. Bank examiners will not protect your capital. That’s on you.

Special Assets — Without Locking Headcount

Underwriting is risk identification and mitigation. Risk management doesn’t predict or prevent every outcome. Don’t lock up capital in permanent headcount for short-term problem asset resolution. Fix the problem and move on.

Texas Credit Advisory provides term or project-specific special assets coverage: triage, action plans, workout structure, loan grade recommendations, pathway to unimpaired capital and charge-off recovery — then exit when the book is back under control.

Ways to Engage

Credit Deep Dive 2–6 weeks. Sample underwriting + heat map + fix list. Quote after a short scope call.

Project Specific 6–24 months. Underwriting standards, credit admin, special assets — without a forever seat.

Special Assets Sprint Focused cleanup with clear exit criteria. You’re done when the fire is out.

What You Get

Comprehensive credit support with a short-term cost overhang
Underwriting critique vs policy and examiner expectations
Stress testing: interest rate and collateral valuation
Identify quality gaps in approval process, covenant monitoring, tickler tracking
Risk rating review from an examiner’s perspective and capital impairment analysis
Special assets work: recovery analysis, action plans, disposition advisory
Weekly progress report and comprehensive final report prepared specifically for Executive Management / Board of Directors

Background

20+ years of commercial credit underwriting, origination, credit administration · built a de novo bank from scratch obtaining a state charter in 2019 · former Chief Lending Officer · senior leadership in special assets · Wells Fargo Credit Management Training · former Credit Review Specialist for the Texas Department of Banking · Independent Advisor — not representative of any state or federal regulatory agency.

Next Step

30-minute scoping call. Underwriting pain, special assets load, what “done” looks like.