Keystone Financial Services, Inc. (‘KFSI’) assists lenders in understanding borrowers’ financial capabilities before entering into a lending agreement. Whether you’re a bank, credit union, or asset-based lender, KFSI offers comprehensive Field Examinations to provide you with valuable insights on borrowers’ financial position, and to independently appraise the borrower’s assets.
KFSI broad experience with enterprises, both large and small, across a broad spectrum of industries, enable us to quickly grasp your borrowers’ financial drivers and collateral issues. We assist lenders with designing appropriate procedures to address the issues and risks associated with a particular credit.
Lenders rely on KFSI to quickly and accurately determine the quality of borrowers’ collateral for pre-loan and existing loan situations. The results of our examinations assist lenders in determining the amount to advance their customers, as well as the quality of their collateral and underlying earnings and cash flows. In addition to performing traditional Field Examinations, we are often engaged to consult on structure and borrowing base formulas, as well as for evaluation of trends in a borrower’s business.
KFSI’s Field Examination Advantages
KFSI performs all Field Examination services in accordance with agreed-upon procedures as requested by the lender. We offer borrower-specific Field Examinations developed in collaboration with the lender, as well as Field Examination based on KFSI or bank-developed templates. Our goal is to provide the lender with quality information in a timely manner. Our reports include the results of our procedures, as well as business insights and recommendations to help in credit decisions.