An engagement with Proactive Consulting can be tailored to meet our individual clients needs. The process generally begins by performing a Portfolio Review and will be followed with a report outlining potential deficiencies.

Following that review, we will make Recommendations based on identified deficiencies. We then utilize our extensive experience and valued professional services network to facilitate the recommended actions. We become as involved in the Implementation as our client requires to accomplish their unique Goals.

portfolio review

Proactive Consulting understands the goals of banking and financial institutions and the regulations under which they are required to operate. Proactive will review individual loans and loan portfolios to identify the means to maintain or improve the quality of the credit. Proactive Consulting is experienced with: C&I, real estate, and SBA commercial credits.

Our comprehensive review will ensure a full understanding of a particular credit and can include; documentation review, financial analysis, site visits, borrower interviews, tenant interviews, lease review, broker opinions of value, market analysis, and any other diligence required.


Following the review Proactive will provide recommended action to be taken to mitigate future problems or resolve current issues. These recommendations will be supported by analysis and underwriting deemed appropriate by the client. Recommended next steps may include;

  • Restructure- Payment, collateral, guarantees, covenants, and other loan terms
  • Litigation
  • Forbearance
  • Prepackaged BK
  • Receivership
  • Third Party Oversight- CRO, FA, or alike
  • Liquidation- Orderly/Forced

Every credit is unique and requires a tailored remedy to ensure the best outcome for


Following the review and recommendations, Proactive is qualified and capable of effectuating the desired outcome through a “boots on the ground approach” and if needed the engagement of a proven network of service providers. This provides great value for creditors who may not have offices where the borrower and/or collateral is located. Value is also added when a borrower can work face to face with a Proactive representative whom is able to become intimately familiar with the borrowers’ operation, collateral, stresses, and personality. Proactive works effectively with debtors in all situations and customizes the approach accordingly. If a creditor should require Proactive to work directly with the borrower value is immediately added as it shows the creditor to be aware and engaged with the situation. Proactive is happy to work “side by side” with creditor representatives when possible and maintain healthy relationships with the borrowers.


Our primary goal is for you to maintain your customers and loan balances and avoid:

  • Unnecessary expenses
  • Loan Losses
  • Downgrading loans
  • TDR’s
  • Increased loss reserves

Our secondary goal is to obtain full repayment of debts when an exit strategy is necessary.

Our tertiary goal is to minimize any unavoidable losses to the creditor.