Case Studies

Enlighten Financial is focused on delivering solutions to the challenges our clients face. Please select from the links below to see first-hand how we’ve helped.

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Loan Review

Potential Challenge #1

The Senior management team or board of directors of a financial institution is seeking independent confirmation that loan policies and procedures are properly followed, and risk ratings are accurately assigned.

Enlighten Financial Solution

Enlighten Financial’s loan review services independently review the organization’s processes and procedures, ensuring risk ratings are properly identified and assigned; credit underwriting is tested to confirm the organization has identified and mitigated risk in the underwriting process; a review is completed to ensure loan policy is followed appropriately, and industry best practices are identified to improve overall efficiencies while remaining proactive in the management of the loan portfolio.  This comprehensive process identifies weaknesses before they become material to the organization’s financial performance or before they become larger challenges.  Our process may also identify unknown issues for management to address.

Potential Challenge #2

Senior management wants to ensure the organization’s consumer underwriting follows policy and procedures.

Enlighten Financial Solution

Enlighten Financial’s consumer loan review services independently review and assess the financial institution’s consumer underwriting process, reviewing the analysis, calculations and supporting materials which determined the organization’s lending decision.  The process identifies potential concerns with current loans, identifies deficiencies in the underwriting or loan approval process, and pinpoints areas for improvement in the ongoing consumer underwriting program.


Due Diligence

Potential Challenge #1

A financial institution is acquiring another financial institution or specific loan portfolio and needs to independently confirm the quality of the target loan portfolio, the nature of the underwriting and understand potential losses or areas of increased risk which could impact the purchase price or health of the loan portfolio.

Enlighten Financial Solution

Enlighten Financial’s due diligence services works on behalf of the acquiring financial institution, reviewing areas of risk in the target loan portfolio before the acquisition is complete.  The process is discreet, efficient and effective in identifying unknown loan grading concerns or estimated impairment.

Potential Challenge #2

A financial institution is in the process of merging into a larger organization.  The board of directors wants to ensure the existing loan portfolio of the larger organization is of sound credit, with risk ratings and potential losses appropriately identified.

Enlighten Financial Solution

Enlighten Financial works on behalf of the financial institution to provide reverse due diligence service for the institution being acquired.  The process provides independent feedback regarding the quality of the loan portfolio and credit administration process to provide the organization with necessary information to appropriately structure or price the transaction.  The process may identify organizational cultural items that could impact the customer base of the institution being acquired.


Credit Administration Consulting

Potential Challenge #1

A financial institution is looking to test and independently verify the current risk rating model used in the process to risk rate commercial loan relationships.

Enlighten Financial Solution

Enlighten Financial tests the current risk rating methodology output to the bank’s risk rating definitions and examiner expectations.  If appropriate, Enlighten Financial recommends changes in weightings, categories, or definitions as identified in the risk rating methodology to more closely align actual practices with loan policy and examiner expectations.

Potential Challenge #2

A financial institution is looking to have its loan policy independently reviewed for consistency and updated based on best practices in the industry.  Bank management and the board of directors is looking for peace of mind that the organization’s loan policy meets examiner expectations and industry standards.

Enlighten Financial Solution

Enlighten Financial reviews the organization’s current loan policy, making recommendations for potential changes based on industry standards as well as examiner expectations.  These recommendations are also based on our extensive experience identifying best practices employed by our customers.  g

Potential Challenge #3

A financial institution is looking to train staff on a specific topic due to examiner feedback or changes in the industry.

Enlighten Financial Solution

Enlighten Financial develops topic-specific training relevant to your organization to improve your team’s performance in meeting regulatory guidelines.  The result is improved assurance for conformity with examiner expectations and regulatory guidelines.


Commercial Credit Underwriting

Potential Challenge #1

A financial institution currently maintains a limited credit team, may have a temporary reduction in underwriting capacity or utilizes loan officers to underwrite and analyze loan opportunities, which reduces independence in the loan underwriting process and utilizes a high-cost resource for a lower-cost process.

Enlighten Financial Solution

Enlighten Financial provides a customized credit underwriting and analysis process structured to meet the unique goals of the organization.  Our team of highly trained credit analysts and risk management professionals provides the information necessary for the organization to make well-informed credit decisions while delivering the services in a flexible, cost-effective manner.  Enlighten can be used as a full-time credit function or as a variable function for a specific industry, loan size, or overflow.

Potential Challenge #2

The financial institution’s current credit team may not have the level of experience necessary to consistently identify risk in the credit underwriting process.  Their current knowledge base may be the result of limited experience within specific industries or the result of a newly formed credit department or recently hired analysts.

Enlighten Financial Solution

Enlighten Financial’s team of risk management professionals can review the credit analysis performed by the organization, providing valuable independent feedback on areas of potential improvement.  The process works to provide the organization with a better underwriting product while providing real-life training opportunities for the analysts.

Potential Challenge #3

The financial institution’s annual reviews are behind schedule due to limited resources in the credit department and prioritization of new loan opportunities and renewals.  As a result, the organization’s annual review program is behind schedule and at risk of being out of compliance with loan policy and the risk management practices required by the board of directors.

Enlighten Financial Solution

Enlighten Financial’s team of credit professionals provides underwriting and analysis services in the annual review process of the bank.  The process helps to identify areas of concern in the loan portfolio and maintains compliance with the organization’s loan policy and risk management practices


Alll Validation

Potential Challenge

A financial institution is looking for an independent review and assessment of the current ALLL process to remain in-line with the organization’s policy and procedures, examiner expectations, and industry best practices.

Enlighten Financial Solution

Enlighten Financial’s ALLL validation process independently assesses the organization’s ALLL calculations and processes, ensuring compliance with loan policy, industry best practices, and examiner expectations.