Credit Analysis Outsourcing Accrues Benefits for Bank

Client Profile

Industry: Financial Institutions
Annual Revenue: $80 million
Asset Holdings: $800 million
Ownership Structure: Family Owned
Geographic Footprint: Midwest

CBIZ provides credit analysis outsourcing services.Issue

A nationally chartered bank that serves urban and underserved communities had a high amount of staff turnover that affected its capacity to perform annual reviews of its commercial lending and leasing borrowers on a timely basis. Delays in the credit review process made it more challenging for the bank to identify issues with the assets involved in the bank’s loans, complicating its ability to manage its credit risks.


Our team outsourced the bank’s credit analysis services to complete the annual reviews in a timely manner. We customized a spreading and analysis service solution to meet the bank’s specific needs. The bank did not have the staffing resources to integrate our standard credit analysis format into the bank’s existing credit memo template, so we reviewed the bank’s template and worked within it to satisfy the bank’s needs.


With the help of CBIZ’s experienced staff, the bank had the staffing capacity to complete 45 annual reviews for its commercial borrowers within its mandated time frame. Outsourcing the credit analysis function allowed the bank to more effectively monitor its risks and meet its compliance requirements. Additionally, the master agreement allowed the bank to pay only for the reviews completed with no obligation to continue using CBIZ outside of the engagement, which helped the bank manage its designated project expenses.

Capacity for Credit Analysis

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Copyright © 2016, CBIZ, Inc. All rights reserved. Contents of this publication may not be reproduced without the express written consent of CBIZ. This publication is distributed with the understanding that CBIZ is not rendering legal, accounting or other professional advice. The reader is advised to contact a tax professional prior to taking any action based upon this information. CBIZ assumes no liability whatsoever in connection with the use of this information and assumes no obligation to inform the reader of any changes in tax laws or other factors that could affect the information contained herein.

CBIZ MHM is the brand name for CBIZ MHM, LLC, a national professional services company providing tax, financial advisory and consulting services to individuals, tax-exempt organizations and a wide range of publicly-traded and privately-held companies. CBIZ MHM, LLC is a fully owned subsidiary of CBIZ, Inc. (NYSE: CBZ).

Credit Analysis Outsourcing Accrues Benefits for BankOutsourcing its credit function allowed a bank to complete 45 annual reviews for commercial borrowers....2016-11-22T15:13:00-05:00Outsourcing its credit function allowed a bank to complete 45 annual reviews for commercial borrowers.Risk MitigationFinancial InstitutionsRisk Advisory Services