Roy Steiner

Location - City:

Lake Mary, Florida

Location - Country

United States

Current Employer:

De Novo Bank Credit Services

Current Job Title

Independent Commercial Credit Analyst

Function

Credit

Personal Bio

What do we offer?

A commercial credit analysis service
We will evaluate, in terms of your requirements, your customers’ financial statements, corporate and personal tax returns and their statement of assets and liabilities. We analyze this information and supply a written narrative, based on our findings, highlighting all positive and negative attributes.
You then decide, based on the analysis provided, and all other mitigating factors, that you have assembled, whether or not your proposal is a bankable proposition.

Why the service?

• You save time by not having to focus on doing your own commercial credit analysis.
• You need a Credit Analyst, but not on a full-time basis.
• You already have a full time Credit Analyst that is temporarily absent or overloaded with work; we can ease the pressure, ensuring efficient business continuity,
• You want to pay more attention to obtaining new business and expanding your customer base.
• You need to concentrate on other banking or business matters that are more urgent, knowing that your credit analysis is not being interrupted.

Advantages of the service

• No need to contribute to 401K, medical, and other benefits, therefore transferring additional profit to the bottom line.
• Use the service as and when required.
• We adapt our method of Credit Analysis to your format, so that the Bank’s Risk Management or Loan Committee can make credit decisions, using familiar documentation.
• We are not privy to your customer’s background information or the nuances associated to your deal, therefore we provide a focused, unbiased analysis.
• We familiarize ourselves with your policy and procedures in order to gain an understanding of your Bank’s risk appetite.
• We can assist your Bank with your credit reviews, renewal of your facilities or before your Bank’s regulatory body conducts an audit on your credit quality.

Checks and balances

Confidentiality is the backbone of our relationships and we take this very seriously
• We sign confidentiality agreements, in order to protect you and your customers’ information.
• We sign a service agreement, outlining your requirements and our basis of payment.