Banks, credit unions and the boards and advisers who answer to examiners retain us for the analysis a filing cannot produce on its own: a stress test on your assumptions rather than a template, a concentration read on your actual book, a scenario set your ALCO can defend. Documented to survive a validation and an examination.
Each is a scoped piece of work with a deliverable and a date, built on your own assumptions, policy language and board's questions. Taken on their own, or alongside a Lynx membership where one is already in place.
Lynx runs the standing version on your filed numbers. The engagement builds the scenarios to your book, to your concentrations, your funding and your growth plan, and produces the documented run an examiner or a board can be walked through.
The loan-level counterpart, which no filing supports: your tape, borrower by borrower, aggregated back up and reconciled to the top-down result. The gap between the two is usually the finding.
Beyond the CRE prongs the platform tracks against the 100/300 guidance: industry, geography, borrower and guarantor concentration on your own exposures, with limits, migration and the policy language to support them.
Deal-level credit analysis: borrower and guarantor strength, structure and covenants, and a documented second look before commitment. The one service here that starts from a credit file rather than a filing.
Scenario Studio drives rates, credit and growth through your capital and earnings inside the platform. The engagement is where the assumptions get built and defended: what path, on what evidence, and what it would take to be wrong.
The platform tracks the rulemaking, guidance and enforcement stream and flags what touches your profile. The assessment is the read on top: what applies to you, on what timetable, and what to do about it before the exam.
Services are decision-support only. Not accounting, audit, or investment advice.
If one of these engagements is what your team needs, whether a stress test, a concentration report or a regulatory read, say so and we'll scope it to your book.