Credit Administration Consulting

Our credit administration consulting services help financial institutions establish sound loan policies and approval processes that reduce risk and facilitate the desired credit culture of the financial institution.

Credit Administration

Effective credit administration policies and procedures are the life blood of a well-run, best-of-class financial institution. It is the attention to detail from a new client application through the life of the loan that can clearly identify the high-performing institutions.

In this competitive market, a financial institution must set itself apart from the competition. A well-run credit administration process can improve efficiency, profitability, and customer experience.

Our experienced credit professionals can assist your institution with crafting credit administration policies and procedures that are appropriate for your needs. We will work with your team to identify the challenges in the credit administration process including feedback from regulatory agencies. We then work with your team to develop tangible and meaningful problem-specific solutions.

We have the knowledge and experience to assist your team with industry standards and best practices for credit administration.

Dedicated Services

Enlighten Financial professionals are dedicated to credit risk management for financial institutions.

Strength of the Team

Enlighten Financial credit professionals each bring nearly 20 years of commercial banking, credit, and credit administration experience to your institution. These professionals work with dozens of financial institutions annually. This translates into a value-added experience for your institution.

Credit Administration

  • Experienced professionals
  • Flexible engagement structure
  • Improve efficiency
  • Enhance profitability

Policies and Procedures

  • Review and provide recommendations for entire policy or specific components
  • Review and provide recommendations for existing documented procedures

Ownership in the Process

  • Engage key stakeholders in the process
  • Key stakeholders provide input into the process

Attention to Detail

  • Observation and interviews provide critical insight
  • Work plan to address all meaningful issues.

Download our credit administration info sheet

How our Credit Administration Consulting services have made a difference.

Challenge #1

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

Enlighten Financial Solution

Enlighten Financial tested the current risk rating model output to the financial institution’s risk rating definitions and examiner expectations. Where appropriate, Enlighten Financial recommended changes in weightings, categories, or definitions as identified in the risk rating methodology to more closely align the model output with loan policy and examiner expectations.

Challenge #2

A financial institution’s Senior Management and Board of Directors was looking to have its loan policy independently reviewed and updated based on consistency with best practices in the industry and current regulatory expectations.

Enlighten Financial Solution

Enlighten Financial reviewed the organization’s current loan policy and made recommendations for changes based on industry standards and examiner expectations. These recommendations were based on our extensive experience identifying best practices employed by our customers and interactions with government regulators.

Challenge #3

A financial institution was looking to train staff on a specific industry underwriting subject due to a growing industry concentration, examiner feedback, and changes in the industry.

Enlighten Financial Solution

Rather than a “one-size-fits-all” approach to training programs, Enlighten Financial developed topic-specific training relevant to the organization to improve the team’s performance in addressing industry specific credit risks as well as meeting regulatory guidelines and industry best practices. The result was improved credit underwriting and risk mitigation and the assurance of conformity with examiner expectations and regulatory guidelines.


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See how Enlighten Financial can reduce your risk and maximize your profit
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“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