Commercial Portfolio Reviews

BAFS performs MBL Portfolio  Reviews.

Business Alliance Financial Services has a service platform that differentiates us from others.  We feel that in the fast-moving world of Commercial Lending, a Portfolio Review should be integral to your lending program.

Portfolio reviews are necessary to monitor asset quality, risk migration trends, policies, & procedures.
The scope of the portfolio review may vary depending on the complexity and needs of each credit union.  A credit union may complete certain portions of its portfolio review internally or may outsource to third parties.
BAFS has the resources and flexibility that allows you to choose the scope you need.
Starting with your input, we identify loan samples, review policies, procedures, and forms by remote.  
We can perform reviews by remote or on-site.
We issue your draft report within 2 weeks and a final report within 30 days.

Get a Personalized Quote today at 1-844-577-BAFS (2237)

Portfolio Review Options

  • Full Narrative Portfolio Review:
  • Limited Narrative Portfolio Review:
  • Loan Sample Plus Operational Review:
  • Third Party Loan Sample Review:
  • Custom Scope:
  • Up to 51% of Portfolio Reviewed
  • 35% of Portfolio Reviewed
  • At least 25 Loans Reviewed
  • At least 25 Loans Reviewed
  • Available

Meet Steve Martens – BAFS – VP Director of Loan Audit & Review 

Steve joined BAFS in March of 2017 bringing his wide range of skills in:

Accounting | Credit Analysis | Commercial Lending | Compliance

During 30 years in banking/finance, he’s gathered knowledge & skills needed to oversee the asset quality of the portfolio, assuring acceptable credit standards are practiced, and ensuring that relevant laws and regulations are followed.  He oversees commercial loan and portfolio reviews.  Steve leads the development of our Dual Risk Rating Systems utilizing measures of loss- given default and probability of default. He writes and recommends revisions to credit union policies/procedures to up to date NCUA standards.  Steve leads a capable team of Loan Review Specialists.

Business Alliance Financial Services, L.L.C (“BAFS”) can provide many services to your credit union.

  • Policy & Procedures Design & Implementation
  • Proprietary Commercial Lending Platform & Client Portal
  • Loan Origination Assistance
  • Underwriting
  • Loan Closing Coordination & Documentation
  • Government Guaranty Applications & Servicing
  • Loan Boarding/Servicing/ Administration 
  • Appraisal Review
  • File Management
  • Tickler & Exception Reporting
  • Loan Review, Audit & Compliance
  • Credit Risk Management & Analytics 
  • Commercial Portfolio Review
  • Participation Placement & Servicing
  • Portfolio Management Reporting & Analytics
  • Training & Consulting
  • Technology – Knowledge- Education

Mission Statement

“To provide a superior, cost-effective, and professional business service platform for each member credit union and the business community they serve”.

For more information, contact us at [email protected] 

Learn more about Business Alliance Financial Services via the button below or  visit our website.

Attend our 4th Annual User’s Conference in New Orleans, LA April 4th & 5th.

Learn more via the button below, or visit our Convergence website.


Talk to us directly at 1-844-577- BAFS (2237).  We’d love to hear from you in person!  Ask for Patrick ext 106 or Michael ext 182. 

Convergence 2019

Convergence 2019

Convergence 2019 is coming soon and the countdown has begun!!!

Our fourth annual user’s conference will be held once more at the

Sheraton Hotel in New Orleans

from April 3rd – April 5th

The conference website has been updated with new information.  Please check our website […]

Commercial Lending School

BAFS is pleased to announce our collaboration with The Risk Management Association (RMA) in offering a commercial lending school.   The school will use RMA certified instructor(s) and materials for each class module. Year one will begin with Commercial Credit for Lenders which will provide training on the core skills for commercial lending and credit.

Year one classes will be held at […]

Annual BAFS User’s Conference

We are excited to announce we are having our 3rd Annual BAFS User’s Conference at the L’auberge Casino Resort in Lake Charles on Tuesday April 4th.  We will be discussing new regulatory issues, detailing our new services, our technology enhancements and have an interactive team building exercise.

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