Loan Review Services

Strengthen Credit Risk Management & Optimize Your Loan Portfolio

Effective loan portfolio management controls credit risk and maintains your community bank’s long-term health. United Bankers’ Bank (UBB) provides comprehensive loan review services to help you identify risks, improve loan quality, and meet regulatory standards.

With decades of experience, UBB’s independent loan reviewers offer insights that help your institution make informed credit decisions, improve policies, and boost performance.

UBB Loan Review Services offers a full suite of credit risk management solutions tailored specifically for community banks, including:

• Independent Loan Reviews
• Allowance for Loan and Lease Losses (ALLL) Analysis
• Loan Concentration Analysis
• Due Diligence Assessments (M&A and portfolio acquisitions)
• Credit Risk Management Training for bank staff and leadership
• Expert Witness Testimony for litigation and regulatory matters

A UBB loan review provides a detailed, objective assessment of your loan portfolio, helping your bank better understand risk exposure and portfolio quality.

Our Loan Review Process Includes:

• Evaluating individual loans and borrower repayment capacity
• Identifying documentation deficiencies and underwriting gaps
• Assessing compliance with internal lending policies and regulatory guidelines
• Reviewing loan risk ratings for accuracy and consistency
• Delivering prioritized credit risk findings and recommendations
• Providing best practices to strengthen credit administration and processes

Partnering with UBB helps your community bank manage credit risk and boost performance.

• Early identification of problem loans and emerging risks
• Enhanced credit risk management and portfolio oversight
• Valuable insight into loan officer performance and underwriting quality
• Stronger board-level reporting and policy effectiveness evaluation
• Trusted, actionable recommendations backed by real-world expertise
• Rely on responsive, personalized service from a team with 80+ years of combined experience—uniquely focused on the needs of community banks like yours.

As a trusted correspondent partner serving over 1,000 community banks nationwide, UBB understands the unique challenges you face. Our loan review services bring an independent perspective and specialized expertise tailored specifically to community banks, and are designed to complement your internal team, not compete with it.

Ensure your institution proactively manages credit risk and maintains a high-quality loan portfolio.

Contact UBB Loan Review Services to schedule your review or learn how we can help your community bank.