What We Can Do For You

Our workouts never have the word "hope" in them. We work with your borrower to put together plans that are feasible, results oriented, and trackable.. This often involves some tough love for your borrower, but if they are serious about staying alive and working things out, they will accept the situation and be realistic. We go so far as to incorporate marketing strategies, real world market conditions, and justifiable cash flow projections. We provide pro forma modeling, track various triggers, including financial indicators, and provide updated model projections throughout the plan period. This is the best way to know if the plan is viable, working, and that your borrower is performing. Did we mention your examiner will like it as well?

Bankers often get tunnel vision when a loan goes south. We understand that. We offer a fresh set of eyes and an unbiased analysis of the credit. We review the loan from cradle to grave and provide analysis as to whether you are good to move forward or take a step back and cure some inadequacies. We've got some secret sauce here and it's worked on the other side defending borrowers in litigation. If we see a catch something it could save you a lot more than money.

After many years in Special Assets, one take away was this: proactivity lowers loss. Simply put, the earlier that a lender recognizes a potential problem with a borrower-the better the outcome for both. Some banks, however, often have enough to do in maintaining their existing commercial loan portfolios. Credit monitoring can be time consuming and draw talent away from more fruitful endeavors. Yet, the financial condition of your customers cannot be ignored. We offer a suite of solutions for small cap and community banks to assist them in the quarterly monitoring their small business credits. 

Capturing and spreading financial statements and calculating financial ratios are key processes in credit risk management. Thomas-Silver offers a comprehensive feature set for collecting, spreading, and analyzing financial statement data. We can calculate financial ratios, generate financial analysis reports, and project future periods. Reports can include peer-group analysis to benchmark counterparties with similar companies in the same market or industry. We capture, analyze and manage financial statements and based on the data captured, financial ratios are calculated. From there, we can project future periods of financial statements. These projections can be based on historic data and manual assumptions by the lender. 

The bank may also create custom ratios. These custom ratios and all standard ratios can be used for defining and monitoring financial covenants. Our solution provides standard workflow models that can be easily adapted to fit the specific needs of each organization. 

OUR PROGRAMS 

Small Cap

• Capture, spread and analyze financial statements 

• Create and configure standard and ad hoc reports  

Mid Cap Includes Small Cap Program PLUS 

• Compare financial statements between companies and peer groups 

• Establish early warning indicators 

• Monitor risk in order to generate early warning signals 

• Assessment and processing of early warning signals 

Large Cap Includes Mid Cap Program PLUS 

• Analyze the impact of adjustments to the customers business model