Banking and Financial Services Practice Group

Our Banking and Financial Services practice group is a beacon of expertise in the intricate world of modern finance, offering a robust suite of comprehensive solutions tailored to meet the diverse needs of financial institutions, borrowers, and bank customers alike. Our team of seasoned bankers and financial professionals with decades of industry experience bring a wealth of knowledge to clients by providing nuanced, innovative advice and services.

For financial institutions such as banks, credit unions, and other financial entities, we assist in navigating the complex regulatory landscape, optimizing operations, and developing innovative products. Our services include regulatory compliance guidance, risk management strategies, digital transformation initiatives, and merger and acquisition support. We leverage innovative technology, including AI and machine learning, to provide data-driven insights and solutions, helping clients navigate evolving regulatory challenges, market volatility, and technological disruption. By combining deep industry knowledge with innovative approaches, we empower our clients to thrive in the dynamic world of banking and finance.

We help bank customers, both individuals and businesses, maximize their banking relationships through wealth management services, investment strategy development, and cash flow optimization. For borrowers looking for complex financing solutions, our team offers loan structuring and negotiation, credit analysis and improvement strategies, debt restructuring advice, and alternative financing options.

WHO WE SERVE

Community Banks and Financial Institutions

Bank and credit union executives frequently encounter complex and ever-changing challenges that demand specialized expertise, which may not be readily available within their organizations. Community financial institutions face significant burdens due to new regulations and shifting regulatory priorities, compounded by limited resources and budget constraints. Additionally, evolving customer expectations for speed, flexibility, and diverse service offerings further strain these institutions' resources. While technological innovations offer opportunities to enhance operational efficiency, they often require expert knowledge that is not easily accessible. We address these challenges by offering subject matter expertise on a fractional or project-specific basis, ensuring that financial institutions can access the necessary resources to effectively navigate these demands.

Bank and Financial Institution Customers

Strong banking relationships are vital for business stability and profitability. Economic shifts and operational challenges can strain these partnerships, potentially jeopardizing a company's access to crucial financial support. When faced with sudden funding disruptions, many businesses lack the expertise to effectively maintain lender support. Our fractional and project-based services provide the specialized knowledge needed to navigate these critical situations, ensuring companies can respond strategically to lender actions that may threaten their survival.

Client Focus

We serve a diverse range of clients, including:

Banks and credit unions of all sizes
Borrowers and bank customers
Financial technology companies
Investment firms
Corporate treasury departments

CAPABILITIES

For Banks and Financial Institutions

Regulatory Compliance
- We assist banks and credit unions in maintaining compliance with ever-evolving regulations, helping to mitigate risks and avoid costly penalties.
Operational Efficiency
- We work to streamline credit application processes, enhancing overall efficiency and customer satisfaction.
Audit and Regulatory Findings Remediation
- We provide support in addressing and resolving issues identified by audits or regulatory examinations.
Third-Party Loan Portfolio Quality Assessment
- With access to qualified examiners, our team conducts thorough third-party loan reviews to ensure portfolio health and compliance.
Strategic Planning and Forecasting
- We offer strategic planning support and financial performance forecasting to help institutions achieve their long-term goals.
Capital Management
- Our professionals provide guidance on effective capital management strategies to optimize financial stability and growth.
Treasury Operations
- Experienced professionals offer timely and relevant guidance on funding structures, pricing, duration, spread management, and asset mix for balance sheet liability management.
Special Assets and Collections
- We assist in establishing and optimizing special assets and troubled debt collection departments.
Executive Recruitment
- Our network and expertise support talent acquisition for C-suite level positions, ensuring strong leadership for our clients.

For Banks and Financial Institutions

Loan Restructuring
- We aid in restructuring client loan and borrowing relationships to achieve mutually beneficial outcomes.
Alternative Financing
- Our team helps clients explore and secure alternative financing options when traditional avenues are challenging.
Cash Flow Planning
- We offer support in developing robust cash flow plans to enhance financial stability.
Banking Relationship Management
- For clients facing challenges with their banking relationships, we provide strategic support and mediation services.

SUCCESSFUL CLIENT ENGAGEMENTS

Identified sources and successfully solicited a total of $200 million of capital investments from institutional and private equity investors to fund a financial institution acquisition strategy.
Arranged, structured, and delivered debt funding for winery and vineyard expansion efforts.
Assisted debtors to successfully restructure borrowing relationships, including assisting in identifying and transitioning to new lenders.
Restructured cash flow operations for a large privately held insurance company resulting in significant improvements in cash management and cost reduction.
Assisted banks in the resolution of multiple negative audit findings and regulatory citations requiring timely and measurable correction.

PRACTICE LEADERS

Glen Terry

Katrina Montinola

Chris Chillingworth

Joe Markunas

OUR TEAM AND RESOURCES

Our deep industry experience allows us to provide practical and purposeful solutions to our clients. We successfully guide clients through economic cycles, regulatory changes, and technological disruptions. Our firsthand experience in banking operations, regulatory compliance, and financial management allows us to provide insightful and effective solutions to complex challenges.

By combining our industry knowledge with a client-centric approach, we deliver tailored strategies that drive success in today's dynamic financial landscape. Whether you are a financial institution seeking to optimize operations and ensure compliance, or a borrower navigating complex financial relationships, our Banking and Financial Services practice group is equipped to support your needs and help you achieve your financial objectives.