Hilltop financial institution clients include some of the largest banks and credit unions in the United States. Our client base also includes many mid-tier and community banks and all sizes of credit unions. Hilltop primarily focuses on the following areas of our commercial bank and credit union clients:
- Loans – helping our clients with all aspects including policies/procedures, valuation, loan ratings, reserves, accounting for loan and lease losses (ALLL), risk management, operational assessments and cost of managing such loans:
- Commercial & Industrial,
- Commercial Real Estate,
- SBA loans,
- Multifamily mortgages,
- Residential mortgages,
- Home Equity mortgages and lines of credit,
- Reverse mortgages (including HECMs),
- Consumer loans (personal, auto, boat, etc.),
- Student loans,
- Lines of credit, and
- All other lending instruments.
- Investments – helping our clients with all aspects including policies/procedures, valuation, accounting, risk management, operational assessments and cost of managing such investments:
- mortgage and asset backed private label securities,
- Fannie Mae or Freddie Mac issued securities,
- Ginnie Mae securities,
- REMICs,
- CMOs, CLOs, CDOs, etc.,
- Other securitized instruments,
- Derivatives,
- REIT shares, and
- Most other investments.
- Regulatory compliance – helping our clients with policies/procedures that ensure the entity is in compliance with regulatory requirements, identify compliance risks, assisting with mitigation/remediation activities, preparing for and/or dealing with examiners, providing mock exams (testing regulatory controls), etc.
- Fraud vulnerability assessments and investigations – helping identify whether a fraud has or can occur in key areas.
Our clients include 5 of the Top 10 largest banks, 19 of the Top 50 banks and 31 of the Top 100 banks. We have provided services to over 200 banks that are $10 billion in assets and smaller.
