Outsourced Credit Analyst
For banks desiring a cost effective, expedited credit analysis solution, BBOK offers detailed credit analysis conducted by individuals who have a substantial amount of industry experience with a variety of credit types.
BBOK’s solution is designed to bridge gaps in staffing, handle unexpected new loan volume or as a permanent analysis solution to forego the need to hire, train and manage analysis resources. This structure allows loan officers to focus their attention on activities that are profitable for your bank.
BBOK acts as a virtual credit department, providing necessary details in the credit file as required by the various regulatory bodies. Regardless of loan size, Bankers’ Bank of Kansas performs a thorough independent analysis of the creditworthiness of the borrower. For a low base fee, your bank receives a loan analysis presentation including a balance sheet, income statement, global cash flow statement and financial ratios. Your bank’s internal loan committee then uses the information provided in the report to make a credit decision based in part on the analysis, and in conjunction with the data and details provided by the loan officer.