Improving earnings, managing risk, solving problems, and planning for the future – these are the steps in building strong, valuable banks. Carpenter brings forty years of experience – and the perspective of an owner – to advising portfolio and client banks on these critical business objectives.
Building Strong, Valuable Banks
ALM Advisory & Review Services
Effectively managing today’s balance sheet demands evaluating a myriad of alternatives in order to create competitive advantages for your business development teams.
Our services are designed to uncover opportunities. Whether assessing your existing ALM framework or systems as part of our Interest Rate Risk Review process, or participating in your ALCO meetings, we are committed to helping you mitigate risk and build value.
- ALM & Interest Rate Risk Reviews, Back-Testing, and Model Validations
- Liquidity Reviews
- Credit Stress Testing Model Validation, ALLL Review and Model Validation
- Customized Financial Management Reviews, Modeling Validations, and Board of Director/Executive Management Training
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Strategic Planning
In starting hundreds of banks, investing in banks, and advising client banks, Carpenter has worked with management teams to create effective, actionable strategic and business plans.
In our experience, achieving asset and earnings growth in banking is primarily the product of better business execution: good management and culture, speedy issue resolution, a focused business development plan, and effective review and communications processes to measure results and maintain strategic alignment.
Our strategic and business planning process begins with these fundamentals, and expands to reflect the specific situation and opportunities of each bank.
Risk Management
To effectively manage risk, banks must centralize certain aspects of planning and oversight of certain key functions, and to complete comprehensive consolidated risk management assessments.
Our work in risk management is informed by our own experience as a bank holding company responsible for the results at our invested banks. The work of compliance and audit functions, asset quality, and a portfolio-wide view of liquidity, spread, and investment policy are comprehensively captured in reports and evaluations that inform and guide the Board and management.
Regulatory Consulting
Assisting with regulatory relationships and Board-level compliance issues has been a core activity of Carpenter for many years. As a regulated entity operating under the oversight of the Federal Reserve, we approach regulatory relationships with an owner’s perspective. Regulators are partners, with specific needs and objectives. Banks and bankers that approach their regulators with that approach will fare well, regardless of short-term issues that arise.
