Regulatory Consulting

In our over 25-year history, Ardmore has performed numerous consulting projects demanded by virtually every federal banking regulator. These engagements have been performed for the banks that have been criticized by regulators in Reports of Examination (ROE), Consent Orders (Memos of Understanding, Supervisory Agreements) and Cease and Desist Orders. They have also been only at the suggestion of regulators in Matters Requiring Attention. The following are examples of engagements where ABA was called in to perform special assignments and successfully completed them:

  •  Evaluation of general expenses and a major lease for real estate from an Executive/Board member for a bank regulated by the Federal Reserve Bank. ABA also performed consulting services for the bank to assist in complying with the Consent Order including development of a new Strategic Plan

  • Management and Board assessment for a bank regulated by the Federal Reserve Bank

  •  Special loan review and evaluation of credit underwriting practices, lending processes and staffing for a bank regulated by the Comptroller of the Currency. ABA also subsequently provided credit risk management consulting and Board training for the bank

  • Strategic plan to include risk management enhancements for a bank regulated by the Federal Deposit Insurance Corporation

  • Investigation of expenses incurred by Bank in the disposition of real estate on loans and expenses incurred for capital improvements that were paid to investors of the bank. Performed at the request of the Comptroller of the Currency

  • Special loan review with emphasis on problem credits for a bank regulated by the Office of Thrift Supervision. ABA also provided follow up risk management consulting and portfolio evaluation on an ongoing basis until the Consent Order was terminated

  • Evaluation of entire lending process, Management and Board for a bank regulated by the Comptroller of the Currency. ABA also provided guidance to the bank in complying with the Consent Order

  • Special evaluation of the loan portfolio of a bank regulated by the Federal Deposit Insurance Corporation

 


 

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