Credit Services

SRA’s Subject Matter Experts, Proprietary Methodologies & Data-Driven Platforms Successfully Enable Your Initiatives

Credit Leadership & Advisory

Service	When to Engage Us	Typical Deliverables
Fractional CO Services	Needing interim credit leadership or policy refresh. Improving CRE/C&I/ABL risk management and documentation.	Leadership gap fill, staff coaching, exam readiness. Policy writing, monitoring, borrower touchpoint mapping.

Service

When to Engage Us

Typical Deliverables

Fractional CO Services

Needing interim credit leadership or policy refresh.

Improving CRE/C&I/ABL risk management and documentation.

Leadership gap fill, staff coaching, exam readiness.

Policy writing, monitoring, borrower touchpoint mapping.

Service	When to Engage Us	Typical Deliverables
Independent Credit Review	Preparing for regulatory exams, seeking objective portfolio health checks, or validating internal credit standards.	Loan file sampling, ACL methodology audits, regulatory exam preparation reports.
M&A Due Diligence	Buying/selling a bank or preparing for a merger.	Credit marks, buy/sell due diligence, merger of equals preparation.
Risk Rating Model Validation	Risk models need overhaul, documentation, or testing.	Dual/EL risk model development, override governance, model validation.
CECL & Allowance Methodology	Validating or updating CECL methodology.	Model validation, Q factor tuning, board documentation.

Service	When to Engage Us	Typical Deliverables
Stress Testing	Requiring borrower-level stress tests alongside top- down macro tests.	CRE/C&I/consumer stress testing, cash flow or NOI scenario tests.
Early Warning Systems	Lacking visibility into macro-sector disruptions.	Exogenous shock mapping, risk radar dashboards.
Risk-Based Capital Allocation	Aligning capital allocation with portfolio risk.	Capital framework alignment, risk cost modeling.
Competitive Benchmarking	Seeking insight vs peers and market position.	Peer gap analysis, M&A planning, market share tools.

Service	When to Engage Us	Typical Deliverables
Credit Portfolio Management	Needing scalable tools for oversight and underwriting.	Outsourced underwriting, monitoring program design.
Exception based Monitoring	When recurring policy and covenant exceptions go undetected or unaddressed, regulatory exam findings cite weak monitoring practices, or manual tracking limits timely escalation of credit issues	Automated exception tracking dashboards Exception policy design Integration with loan origination/servicing systems
Credit Process Modernization	Seeking to improve efficiency, consistency, and compliance across credit processes.	Workflow redesign, policy automation, integration of credit decisioning tools.
Problem Loan Management	Managing deteriorating credits effectively.	Workout strategies, restructuring plans.

Service	When to Engage Us	Typical Deliverables
Contract Underwriting	Expanding into new segments or filling underwriting gaps.	Memo prep for SBA, CRE, C&I; backlog relief, staff upskilling.
Enterprise Valuation & Leveraged Lending Advisory	Lending to borrowers with minimal hard collateral or high leverage.	EV modeling, EV policy, leveraged borrower deep dives, training.

Service	When to Engage Us	Typical Deliverables
Risk Innovation & Responsible AI Integration	Exploring emerging technologies for credit risk management with an emphasis on ethical and compliant AI use.	AI-powered Underwriting, risk analytics pilots, credit reviews, and Governance Frameworks.
Environmental Risk and Regulatory Disclosure Advisory	Responding to environmental risk disclosure requirements across states and regulators, and meet Board requirements.	Disclosure readiness, risk exposure summaries, and regulator-ready documentation.