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Credit Quality Reviews

Independent credit review services tailored to your institution’s portfolio, performance goals, and regulatory expectations, led by experienced consultants with deep industry knowledge.

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Objective, Risk-Aligned Credit Review Services for Today’s Lending Environment

Credit quality reviews are more than a regulatory requirement: they’re a critical tool for managing risk and supporting sound lending decisions. At Saltmarsh, we deliver independent, in-depth assessments tailored to your institution’s unique loan portfolio and credit culture.

Our team brings examiner-level insight to every review, with a focus on practical recommendations that enhance credit administration, identify trends, and align with supervisory expectations. Whether you need periodic loan reviews, special-purpose engagements, or support preparing for regulatory exams, we help ensure your credit risk management practices are built for strength and resilience.

A Smarter Approach to Credit Quality Reviews

We bring practical experience and institutional knowledge to every credit review. Our team understands the lending process from the inside out, which means we evaluate credit quality with both regulatory expectations and day-to-day realities in mind.

Saltmarsh reviews are tailored to your institution’s unique risk profile, credit culture, and loan portfolio. We go beyond checklist auditing to deliver insights that help you refine policy, strengthen controls, and make better credit decisions. Our recommendations are specific, actionable, and grounded in real-world experience in financial institutions just like yours. 

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ACH Reviews & Risk Assessments
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Fair Lending & UDAAP Risk Reviews
CRA Services 
Asset Liability Management Review
Information Systems & Cybersecurity Audits
Trust Operations & Fiduciary Responsibilities
Advisory, Training, and Coaching
 

 

Our Credit Quality Review Services

Your loan portfolio is one of your institution’s greatest sources of risk. Our Credit Quality Reviews go beyond checklists to provide real insights into underwriting, credit administration, and risk management. 

Whether you’re preparing for an exam, validating your internal processes, or simply want a clearer picture of credit performance, Saltmarsh brings the expertise and perspective to help you move forward with confidence.

Loan Review Services

Independent analysis of credit quality,  underwriting, and risk ratings across commercial and consumer portfolios. 

Credit Administration Review

Assessment of policies, procedures, and portfolio management practices to ensure strong credit oversight.

ALLL/CECL Review

Evaluation of allowance methodology, documentation, and reserve levels under current and expected loss models.

 

SBA Loan Review

Targeted review of SBA lending files for eligibility, servicing, and compliance with program requirements.

Appraisal & Environmental Review

Review of appraisal ordering, review processes, and environmental due diligence to ensure regulatory alignment.

Loan Audit Support

Support for internal and external audit preparation, including file testing and remediation guidance.

 

Exam Readiness

Pre-exam assessments to identify and resolve credit issues before regulatory reviews.

Staff Training

Customized training sessions to build in-house credit review capabilities and promote consistency.

 

 

People and Practices. The team is well trained, knowledgeable, experienced, accessible, and demonstraates good communication skills. Fieldwork, deliverables and presentations are first class. Our team at the bank always has good dialogue with Saltmarsh, and we learn something with each engagement.
Piedmont Federal Savings Bank NC

Regulatory Compliance Reports Cover Image

Get the Most Recent Updates at a Glance

Recent & Upcoming Regulatory Compliance Changes – Quarterly Update

This document includes concise summaries of the most material developments over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report.

What’s inside:

  • Key updates from CFPB, OCC, FDIC, FRB, and HUD
  • Effective dates and impact levels
  • Hyperlinked citations to original rules
  • Summaries of rescinded, vacated, or delayed provisions

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Raising the Bar for Credit Review Services

Navigating credit quality doesn’t stop at checking the boxes. It takes a partner who understands your unique credit environment, speaks the language of your regulators, and delivers clear, actionable insight — not just reports.

Saltmarsh stands apart in the credit review space. Our team blends decades of direct banking experience with a consultative approach that prioritizes relevance over rigidity. Every engagement is tailored to your institution’s size, risk profile, and credit strategy

Clients appreciate how we dig deeper, ask smarter questions, and stay involved long after the final report. Whether you're preparing for an exam, evaluating portfolio health, or strengthening credit administration, Saltmarsh gives you the confidence to move forward with clarity and control.

Meet the Team Driving Credit Review Excellence

Our credit review specialists bring decades of experience in banking, lending, and regulatory compliance. From former bankers to seasoned auditors, the Saltmarsh team combines practical insight with technical precision to deliver reviews that go beyond check-the-box assessments.

Stogniew, Kristen-1

Kristen Stogniew, Esq., CFE

Shareholder

Kristen is a shareholder and leader of Saltmarsh’s Financial Institution Consulting practice, with over 25 years of experience advising banks, credit unions, and fintechs on legal, operational, and compliance matters. She also provides tailored training, mentorship and facilitates user groups across key systems and risk areas.

Finley, Michael-1

Michael Finley

Senior Consultant

Michael is a senior consultant with over 30 years of experience in commercial lending, risk management, and loan review. He previously held credit risk roles at one of the nation’s largest banks.

Gerstenschlager, Ryan-1

Ryan Gerstenschlager

Senior Consultant

Ryan is a senior consultant specializing in credit quality and loan operations reviews. With 25 years as a lender and executive, he brings deep expertise in credit risk, financial operations, and audit readiness.

Jones, Gary-1

Gary Jones

Senior Consultant

Gary is a senior consultant with over 25 years of experience in the financial institution industry. He specializes in loan quality, credit program analysis, fair lending reviews, and Federal Home Loan Bank collateral verifications.

Roberts, Angel

Angel Roberts

Senior Consultant

Angel is a senior consultant with over 20 years of experience in lending, credit analysis, and risk management. She supports clients with loan compliance, internal audits, and operational reviews.

Ready for a More Insightful Credit Review?

Whether you're seeking a fresh perspective, preparing for an exam, or strengthening internal processes, Saltmarsh delivers credit quality reviews that go beyond the checklist. 
Our team combines decades of experience with a hands-on, collaborative approach that helps institutions reduce risk, improve performance, and satisfy regulatory expectations.

 

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