How We’re Different
Helping community banks navigate non-performing loan, REO, capital and regulatory issues is our core competency and only business, and has been the Barr family business since the late 1970s (see Chicago Legacy page). Our specialized knowledge and expertise is widely known and respected among bankers and bank regulators alike. In a market increasingly crowded with new entrants – all purporting to help banks - Loan Workout Advisers brings analytical transparency and a proven track record of integrity and success in guiding community banks through troubled waters for generations.
Our key differentiators are:
Advanced Analytics
Our analytical acumen is founded on long experience and world-class training. Our in-depth credit, real estate and regulatory capital analytics enable our bank clients to:
- Defend reserve and charge-off levels
- Maximize the value of distressed loan and REO portfolios
- Take advantage of creative recapitalization opportunities
We provide analytical transparency in an environment where ambiguity is harshly construed against asset holders.
Loan Workout Advisers’ distressed loan and REO analytical work product provides our bank clients with a comprehensive credit risk, loan workout and real estate advisory memorandum on each asset within a legacy risk loan and REO portfolio. Our advisory memos are written for bank executive management, regulatory and capital investment audiences and are designed to serve as the bedrock credit file document, providing each audience with a full and credible articulation of a given watch-listed loan, lending relationship or REO asset.
Our analytical process has been developed and refined over decades of loan workout and community bank turnaround work and enables our bank clients to make informed and defensible decisions in the context of an overall strategic capital plan. In keeping with this approach, we work closely with loan sale advisory and investment banking strategic partners in offering a variety of integrated analytical tools designed to fully prepare our bank clients for interaction with bank regulatory authorities and capital markets.
For a presentation of specific analytical work product offerings, please refer to the Client Services page.
Strategy and Tactics
We specialize in the design of strategic loan workout, asset disposition and capital plans for banks under capital and regulatory pressure. Our consulting teams bring a powerful combination of loan workout and bank turnaround experience, as well as market and regulatory intelligence, to bear on complex bank client problems. The result -- unique and cutting edge solutions.
From the solid foundation provided by our expert analysis, our veteran consultants work closely with bank personnel and proven legal collection resources to move quickly from analysis to action. We are expert at devising effective loan workout strategies and laying out the tactical steps necessary to achieve strategic goals. We are also expert negotiators and have a well-established reputation for tough but fair dealing. We find that our involvement in loan workout negotiations often leads to favorable and timely loan restructurings and settlements for our bank clients. In the current market environment, our proven ability to optimize loan workout results and quickly improve the quality of watchlist loan portfolios can be the difference between capital raising success and failure.
Integrated Execution
Our expertise goes well beyond analytics and advice. Our team members have an unmatched track record of successfully executing on integrated loan workout, asset disposition, and capital plans. By seamlessly bringing together these critically important elements within an integrated strategic framework, we steer our bank clients out of capital and regulatory distress and back into open waters.
The current market is increasingly unforgiving for community banks. Successful execution on integrated turnaround strategies hinges on experience in knitting together the complex steps necessary for community banks in distress to regain control of their destiny. Our extensive bank turnaround experience, longstanding relationships with key strategic partners and credibility with bank regulatory authorities and capital markets give our bank clients a competitive advantage where it matters most – execution.
From project inception, we set the stage for execution success. Our integrated analytics and strategic planning lays the groundwork for timely and effective integrated execution. Our highly experienced consulting teams know what it takes to succeed under adverse circumstances, and we fight like no others for the independent future of our clients.
