Management + Operational Consulting
Your Ally for Strategic Growth.
Helping optimize your organization to meet the needs in a changing regulatory and more complex industry. We can handle big or small, strategic or operational projects, to ensure your enterprise risk management framework keeps pace with the risk profile of your organization.
Grounded in experienced staff + broad spectrum engagement.
Loan Reviews
MCC offers external loan review services and can assist management and the audit committee with appropriate scoping for the risk profile of the organization. We will review a sample of loans to support reserve levels and overall credit risk to identify areas of concern or provide guidance in terms of best underwriting and administration practices.
Bank Examination Prep + Guidance
If you hit a bump in the road at your last exam or need some refresh guidance for certain CAMELS and/or Compliance areas, the team at MCC is here to help.
Our team has worked through many successful examinations and knows the drill well both from the banker and regulator side of the table. We can assist with regulatory correspondences and MRAs, updated policies and procedures, operating protocol enhancements and compliance related needs to get you back on the right track for prudent growth.
Diligence + Merger Integration Services
MCC will provide turnkey diligence support for prospective companies looking to acquire other financial institutions or branches. This can include transaction structuring consulting, synergy analysis, loan and overall asset quality review and appropriate credit and purchase accounting marks.
MCC can also provide operational support of your core systems data processing conversion both pre- and post-merger to ensure a timely and efficient integration and mapping of products, services, and new client data.
Board Reporting
Navigating the challenges of aligning your Board and Management reporting with your bank’s risk profile and evolving regulations can become cumbersome. MCC offers a comprehensive review of your current materials, ensuring prudent risk oversight. We assist in preparing updated reports for a streamlined Board packet that proactively identifies emerging risks and necessary contingency planning.
Turnaround + Interim Management
MCC leadership also has extensive experience with troubled bank situations who may find themselves under a MOU, Written Agreement or Cease and Desist Order. We can provide interim leadership roles in various capacities to support corrective actions for removal of full enforcement actions or needed improvements in overall CAMELS components.
Pending an upcoming retirement or resignation, MCC can serve as the organization’s Chief Credit Officer both in the interim or longer term, if needed. We can become a member of the company’s Senior Leadership Team and/or loan committee, if desired. Providing oversite and guidance to all staff and the Board of Directors on credit risk matters. We will also interface with the various regulatory agencies when needed (i.e., during examinations etc.), as requested by management.
Insightful, Experienced, Capable
For over 30 years, our leadership has learned, developed, and optimized best practices within the community banking space to drive increased organizational value. Having built organizations from the ground up through both organic initiatives and full bank acquisitions, we can help you navigate the industry challenges to move your company forward one step at a time.