Loan review for
financial services industry

Are you adequately assessing your loan portfolio?

Tap into AGH's vast experience and industry-wide knowledge

Our financial services industry team's exposure to a broad variety of loans and credit environments can provide your bank with the experience needed to manage your unique portfolio risk.

See how our loan review service can help your organization.
Contact us to learn more.

Loan review for financial services industry

Consider who benefits

Banks and other financial institutions with small or under-resourced loan review staff

Consider the benefits

Monitor and manage financial institution's loan risks and assets; project and help limit losses

Meet regulatory requirements

How AGH's loan review for financial services industry can help your organization

An AGH audit team examines the bank's loan portfolio to determine level of risk for loss, overall quality and structure of loan portfolio, consistency, and appropriateness of credit standards and lending practices.

Frequently asked questions

What is your normal scope for a review?

Most loan reviews include loans from a wide variety of industries, officers, and bank locations to ensure a portfolio is well represented. Each review is different just like each bank is different. We discuss upfront with banks about areas of concern or risks within portfolio segments and then tailor the review to assist with these riskier areas. Having expertise across a wide section of industries allows us to provide the view you are looking for.

What is the difference between a directors’ exam and an audit?

A directors’ exam is a set of agreed-upon minimum procedures banks are required to perform for regulatory purposes. The final report issued for a directors’ exam is a list of procedures performed and any resulting exceptions. An audit is a process involving tests based on the risk of an institution. These tests provide the auditor with evidence about amounts and disclosures in an institution’s financial statements. Based on evidence gained, the auditor is able to express an opinion on the fair presentation of the financial statements including appropriateness of the accounting policies used and the reasonableness of significant estimates made by management. The final report is an opinion on the financial statements accompanied by management’s financial statements and related disclosures.

Ensure your loan portfolio is not posing a hazard to your organization. Click to get started.

Mark Schmelzle

Senior Vice President
Assurance Services
Financial Services Industry Team Leader

Mark Schmelzle leads the firm’s financial services industry team. His practice focuses primarily on financial institutions, manufacturing/wholesale/distribution entities and private equity groups.

In the financial services and manufacturing industries, his experience includes financial statement audits, fraud investigations and other types of attest services.

In the private equity area, Mark provides a wide range of merger and acquisition services for private equity groups and their portfolio companies, including due diligence, cash flow analysis, quality of earnings review, and potential cost-savings analysis.

Schmelzle is a certified public accountant and a member of the American Institute of Certified Public Accountants, the Kansas Society of Certified Public Accountants and Young Bank Officers of Kansas. He is an alumnus of Leadership Wichita and was named one of the Wichita Business Journal’s “40 Under 40” young leaders in the community. He also serves in leadership positions for community organizations including Youth Entrepreneurs and the Wichita Aero Club.