We can provide a timely assessment of the underwriting, management and quality of the target’s loan portfolio. We have experts from all disciplines of lending, including ALLL analysis and credit process. We will help you understand the culture of the organization you are acquiring.

This is an often overlooked but critical piece of information to understand or what IT-related issues a target bank may have that will need to be addressed post-acquisition.

We can assist you in determining the target institution’s level of interest rate and liquidity risk. This can then help you as you consider the combined organization’s level of risk.

We can help you assess how the acquisition will fit into your strategic direction. Analyzing how the target fits with your culture and your strategic direction is one of the most important aspects of a successful acquisition.

Many aspects of compliance, such as Fair Lending and BSA/AML, will become the acquirer’s problem if there was an issue prior to acquisition. Having the target’s compliance program reviewed prior to closing can help you understand the degree of compliance risk you will be assuming.

While much of the attention in an acquisition analysis is on the financial aspects of the transaction, the quality and depth of the human resources of the target institution are the drivers of the target’s current success or challenges. We can assist you with reviewing the target’s succession plan or help you craft a new one for the combined organization.