Managing risk exposure with proper review

MST Review both integrates and streamlines your bank’s loan and credit review functions using a sophisticated system of inter-related modules. Like all MST solutions, Review is designed to interface with your bank’s core loan system, conveniently matching your existing bank policies. The software solution is installed on your site, behind your firewall, with assigned user access to ensure complete security.

The solution is configured specifically for your financial policies. Each Review module addresses your current needs and additional modules are added as you require them. MST will install the system, train your staff and continue providing ongoing system support.

The primary tool of Review is the Problem Loan Reporting module – which allows you to quickly review and act upon problem or “criticized” loans. Problem Loan Review & Reporting simplifies time-consuming and unwieldy processes that will ultimately impact Allowance for Loan and Lease Losses (ALLL) determinations. Review provides for collaborative, comprehensive assessment where notes and/or flagging of loans may take place throughout the approval process. The system then aggregates and archives the data, delivering customized reports so management can review financial metrics.

Optional Review modules include:

•  CRE-PRF Reporting
•  Financial Statement Review
•  Internal Loan Review and Credit Grade Change
•  Charge-off Requests

Review ensures the accuracy of internal credit classification or grading systems, providing quality information to determine the ALLL in accordance with GAAP. Moreover, Review allows you to be responsive to changes in internal and external factors which affect the level of credit risk in the portfolio and include such variables as policies, procedures, management decisions and supervisory guidance.