Our team members bring similar experience, skills and determination to change our clients challenges into opportunities. We have over forty years experience in collections, problem loan resolution, negotiations, workout management, foreclosure, repossessions, OREO management, loan administration, secondary mortgages, CRE management, commercial and consumer lending, non performing classified loans, loan loss reserve allocation, special assets management, FDIC loss share agreements, portfolio management and regulatory compliance. We are Community Bankers helping Community Bankers. We have faced the stresses of deteriorating credit quality, rising past dues levels and OREO. We understand the pressures faced by Bank management from the Board of Directors, your state and federal Regulators,