Asset/Liability Management is one of the overlooked components of financial institution management. With today’s unprecedented interest rate environment, a lack of proactive interest rate risk management has caused many financial institutions to leave millions of dollars on the table. Furthermore, recent changes in the regulatory environment require an independent third party opinion of asset/liability management processes, policies, and procedures.
In the past, many banks relied on the help of broker/dealers, correspondent banks, and banker’s banks to provide asset/liability management consulting. Although these services were somewhat helpful, many reports were simply generated to fill a regulatory need. In today’s risk management environment of shrinking margins and record prepayment levels, this need has changed substantially.
PBS is one of the oldest and most experienced financial consulting firms in the nation today. Our consultants have experience in active asset/liability management strategies and processes for both community and multi-billion dollar financial institutions. They have work experience ranging from vice president level ALM positions in multi-billion dollar financial institutions to audit firms and broker/dealers. Our consultants are dedicated to providing a thorough, objective, and truly independent third party opinion of your asset/liability management processes, policies, and procedures.