Community Banking Consulting Services

Community banks are the backbone of our economy. They live, work and lend in the communities they are in and know their customer base better than anyone. Whether you are a community bank trying to compete against the large regional and super regional banks or you are concerned with the changing regulatory landscape while maintaining credit quality, managing your existing portfolios or identifying and restructuring problem loans, Sphinx Financial can help.

Our services include:

Portfolio Loan Review
  • Risk rating review and confirmation
  • Investment property global cash flow analysis
  • Collateral review and Impairment Analysis
  • Documentation Review
  • Recommendations for bank policy and regulatory compliance
Portfolio Management
  • Identifying / confirmation of classified loans
  • Proactive management of risk rating
  • Financial Statement Collection / Tracking
  • Establishing repayment program for delinquent loans
  • Monthly reporting (Classified Assets, ALLL, etc.)
Troubled Loan restructuring & workout

Interim portfolio management


Allowance for Loan and Lease Losses
  • Calculation and Assessment
  • Monthly Classified Assets preparation & control
Loan Policy: Updating and enhancement

Underwriting and Credit Approval Process
  • Performing detailed underwriting of complicated loan relationships
  • Restructuring Approval Memos with appropriate loan underwriting and analysis
  • Matching Approval Memos with Policy guidelines
  • Underwriter and Loan Officer training of policy and underwriting standards
Loan Officer training
  • Sales training
  • Credit Analysis training (cash flow analysis, leverage, liquidity, etc.)
  • Loan structuring