Who We Are

Who Is Enlighten Financial?

Green check box on survey box with green pencil. Focus on tip of pencilEnlighten Financial, llc, founded in 2008, works with financial institutions to mitigate risk and ensure policy compliance through our loan review, credit administration and commercial underwriting services. We work with financial institutions across the region to assist them in managing the credit risk within their loan portfolios.

Enlighten is owned by Peter Nugent, founder, who has years of hands-on commercial lending experience and risk management consulting. We believe our services will assist your management team in the accurate identification of credit risk to allow you to avoid losses and appropriately price the risk within the loan portfolio.

What To Expect

Clients of Enlighten Financial receive the kind of foresight that only a second set of eyes can provide. We will shed light on your financial institution and guide you through successful decision-making.

Timeliness

We take pride in discussing and reporting our findings and recommendations in real time, with minimal disruptions to normal operational activities.

Confidentiality

Enlighten Financial takes your trust and your business seriously. All client information is protected by several levels of security including military-grade encryption and the latest in document protection technology.

Open and Honest Feedback

Our focus is to provide financial institutions with industry-leading, common sense risk management solutions. We encourage direct feedback in order to improve results and help drive meaningful risk management discussion.

Effective Communication 

Communication between our clients and our team is maintained throughout our consultations, our underwriting services, and our loan review process. We strive to provide clear and concise information, progress reports, and practical applications. Our team members are experienced and responsive to our clients’ needs.

Partner With Us

In an industry with significant oversight and increasing demands for resources, wouldn’t it be nice to know that we are looking out for your financial institution with identification of current industry trends and best practices to help you mitigate regulatory scrutiny.

Download our “general information” sheet

Download our “client promise” info sheet

 

Our Mission, Vision, and Values

Enlighten Financial was founded in 2008 as a boutique risk management consulting firm, providing independent loan review, credit analysis and due diligence services.  We are dedicated to improving a financial institution’s ability to identify risk, make well-informed credit decisions, avoid losses, and appropriately price risk in the loan portfolio.

Our Mission

To build relationships providing independent credit management consulting through proven technical expertise to meet regulatory requirements and improve our client’s bottom line.

Our Vision

Enlighten Financial is the firm clients want to hire and where top talent wants to work.

Our Core Values

Confidentiality 
We protect client information at all costs and in all ways.

Integrity 
We are honest and forthright in all interactions with customers and teammates.

Accountability 
We clarify our customer, teammate, and team goals.  We strive to meet them. We take ownership of our actions.

Entrepreneurial Spirit 
We identify and leverage the unique talents and passions of our teammates to meet our clients’ evolving needs in innovative ways.

Flexibility
We focus 100% on meeting client and team expectations.  We empower our teammates to structure their work accordingly.

Work Hard, Play Hard 
We value hard work to meet our clients’ expectations.  We celebrate successes and make time for play.

Respect 
We revere our client and teammate relationships.  In every interaction, we listen considerately and speak courteously.

Download our mission, vision, & values statement


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See how Enlighten Financial can reduce your risk and maximize your profit
CALL 877.445.4186 or
 EMAIL [email protected]

Strategizing for Success in Late 2024: A Follow-Up Guide for Community-Based Financial Institutions

 Posted Oct 1, 2024

FDIC 2nd Quarter 2024 Banking Profile

 Posted Sep 9, 2024
“The staff at Enlighten have been available for questions, in addition to the engaged work that they do. They've been very helpful as a resource beyond the major audit.”
— Meghann Kasper, Chief Credit Officer, Bank First
“Enlighten gives us a very good second set of eyes on our transactions. They're not afraid to challenge us on some of the work that we've done, which is what is needed. I don't need to pay somebody to tell me I'm good, I need to pay somebody to tell me where I've made mistakes.”
— Robert McPherson, VP of Risk Management, Peoples State Bank
“Enlighten provided industry best practices that weren’t going to show up in an audit report. They would say, ‘Hey, I noticed you do this. This is really unique, you do a really great job of it.’ And then they might add, ‘Some other clients that I have are doing something like this.’”
— Bill Beardsley, President, Michigan Business Connection
“By questioning some of our methodologies, Enlighten has helped us say, ‘Okay, this is where we need to train staff better and focus on so that they understand what they're doing better.”
— Robert McPherson, VP of Risk Management, Peoples State Bank
“The organization of the communication — before, during, and after the reporting process — was certainly better with Enlighten than what I've experienced with a lot of auditors.”
— Bill Beardsley, President, Michigan Business Connection
“The staff at Enlighten have been available for questions, in addition to the engaged work that they do. They've been very helpful as a resource beyond the major audit.”
— Meghann Kasper, Chief Credit Officer, Bank First
“Enlighten gives us a very good second set of eyes on our transactions. They're not afraid to challenge us on some of the work that we've done, which is what is needed. I don't need to pay somebody to tell me I'm good, I need to pay somebody to tell me where I've made mistakes.”
— Robert McPherson, VP of Risk Management, Peoples State Bank
“Enlighten provided industry best practices that weren’t going to show up in an audit report. They would say, ‘Hey, I noticed you do this. This is really unique, you do a really great job of it.’ And then they might add, ‘Some other clients that I have are doing something like this.’”
— Bill Beardsley, President, Michigan Business Connection
“By questioning some of our methodologies, Enlighten has helped us say, ‘Okay, this is where we need to train staff better and focus on so that they understand what they're doing better.”
— Robert McPherson, VP of Risk Management, Peoples State Bank
“The organization of the communication — before, during, and after the reporting process — was certainly better with Enlighten than what I've experienced with a lot of auditors."
— Bill Beardsley, President, Michigan Business Connection