Due Diligence

Our approach to due diligence will provide you with critical insight into the target loan portfolio. Our process is efficient and effective to provide you the information you need to make strategic decisions regarding the acquisition of a loan portfolio.

Due Diligence

An acquisition opportunity includes many crucial decision points along the way. Information needs to be quickly and confidentially analyzed to assist with the decision-making process. Enlighten Financial provides both extensive experience with credit, loan portfolio review and due diligence to be that critical independent resource for your management team.

Trusted Advisers

We have the knowledge and experience to work with your management team to provide insight and recommendations into the nature, scope, and depth of the review necessary to provide the information essential to an acquisition decision.

Communication

We understand our customers do not like surprises. We will communicate frequently throughout the process to provide awareness of the progress and findings in the target loan portfolio. This communication allows our customers to evaluate the opportunity on a real-time basis.

Due Diligence

  • Buy-side acquisition assistance
  • Reverse due-diligence
  • Experience to provide the critical information you need
  • Provide efficient and timely findings and summary to management
  • On-site or remote reviews

Targeted Review

  • Focus on specific areas of the portfolio
  • Stratification of the loan portfolio to assist in the analysis
  • Assistance with review content and criteria

Co-Sourced Reviews

  • Provide additional support for internal resources
  • Work independently or as a part of an internal team

Download our due diligence info sheet

How our Due Diligence services have made a difference.

Challenge #1

A financial institution was acquiring another financial institution and needed additional resources and expertise to independently confirm the quality of the target loan portfolio, the quality of the underwriting and potential losses or areas of increased risk which would impact the purchase price and health of the loan portfolio.

Enlighten Financial Solution

Enlighten Financial worked on behalf of the acquiring financial institution to assess areas of risk in the target loan portfolio. The process was discreet, efficient, and effective in identifying unknown loan grading concerns and estimated impairment.

Challenge #2

A financial institution was in the process of merging into a larger organization. The Board of Directors wanted to ensure the loan portfolio and credit administration practices of the larger organization was of sound credit, with risk ratings and potential losses appropriately identified.

Enlighten Financial Solution

Enlighten Financial worked on behalf of the financial institution being acquired to provide reverse due diligence service. The process provided independent feedback regarding the quality of the loan portfolio and credit administration process of the acquiring organization which could impact the structure or price of the transaction. The process also identified cultural concerns between the two organizations that could have impacted the customer base of the institution being acquired.


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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