Transforming organizations through skillful alignment of people, process and technology.
The Hilltop Companies


Loan Reviews

The Hilltop Companies provides loan review services to our clients.   Our loan review services support a number of client needs and have different purposes for being completed, as follows:

  • Loans may be reviewed in detail to assess their characteristics, demographics and other factors which affect the performance of the overall portfolio (this may include document review, loan data  analysis, loan trend analysis, etc.),
  • Loans may be reviewed as part of assessing the portfolio performance (this may include analysis  of delinquency trends, loss trends, prepayment trends, profitability, customer concentration, etc.),
  • Loan document quality reviews are often performed to assess whether the loan is properly documented in accordance with investor/capital markets or internal credit policy requirements (document completeness, accuracy and compliance),
  • Loan credit quality – underwriting reviews of loans may be completed to assess compliance with credit policies, credit risk assessment capabilities of the lender, compliance with investor requirements, etc.
  • Loan rating reviews for commercial loans are done to ensure that the loan’s status from a credit risk perspective is properly reflected in accordance with the bank regulatory requirements.

Loan/lease reviews have been completed on all types including:

  • Commercial loan
  • Multifamily loan
  • Residential mortgage
  • Residential home equity loan
  • Consumer loans (auto, boat, etc.)
  • Lines of credit
  • Leases
  • Mezzanine loans
  • Subordinated debt
  • Convertible debt
  • Other

The Hilltop Companies performs loan reviews that are required for a number of different credit assessment situations.  The most common is where our client is buying a loan portfolio and wants to conduct their due diligence with our assistance.  If the entire bank/lender/servicer is being bid upon, the due diligence for such acquisition would also require loan reviews of the entire loan portfolio at a scope agreed to by the acquirer.  Another scenario supporting the need for loan reviews is of course to test compliance with various regulatory, investor or other contract terms.  Litigation will also often require performing a loan review to support the case facts or claims.