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Banks
J.R. Bruno & Associates offers a full range of services designed to meet the needs of lenders interested in enhancing existing departments or in expanding existing product lines with U.S. Small Business Administration loans. We successfully help lenders create profitable SBA Lending Programs that deliver bottom line results, nationwide.
We offer specialized programs for lenders of all sizes and experience levels. The following is a sample of what we offer:
Team Training
An efficient and knowledgeable team is one of the keys to a successful SBA Lending Program. J.R. Bruno & Associates can give your team the expertise it needs to increase profitability. Training for your team is available in all aspects of small business lending. The following are some of most requested subjects:
- SBA loan program guidelines and eligibility comprehension
- Comprehensive loan memorandums writing
- Loan underwriting and business financial statement analysis
- Loan packaging, processing, and documentation
- Business development, sales skills, and marketing strategies
Training is available in both single and multi-day formats, for groups and individuals. We also offer ongoing training reviews, refreshers, and updates to keep you apprised of changes in regulations and best practices.
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Portfolio Review
Compliance is critical in the banking world. If you have any concerns about your portfolio's compliance with the SBA's regulations, or your lending team's accordance with your bank's policies and procedures, contact us. J.R. Bruno & Associates can review a either a sample, or all of your existing loan portfolio with an eye to correcting deficiencies. Our consultants will prepare a detailed analysis of your current deficiencies, likely future problems, and issues to consider with respect to the SBA's regulations, bank policy, and general solvency. We are experts in satisfying the complicated SBA program requirements and ensuring compliance with your internal policy and protocol.
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Workflow & Efficiency Review
Most departments suffer from some degree of internal inefficiency and chaos. Inefficiency and chaos means higher overhead and reduced profits. J.R. Bruno & Associates offers a Workflow Review to optimally streamline your department without reducing staffing levels or increasing sales--simply by improving your procedures.
A Workflow & Efficiency Review by J.R. Bruno & Associates will start with an onsite analysis. Our consultants will prepare a detailed report of your current procedures and workflow processes, and will provide you with concrete suggestions and explicit techniques to address inefficiencies and likely areas of future concern.
A J.R. Bruno & Associates' Workflow & Efficiency Review can do all of the following:
- Lower overhead costs
- Increase compliance
- Decrease risk
- Increase cross selling opportunities
- Decrease processing time
Let our experts take a fresh look at your current workflow processes and procedure efficiencies to help you maximize your returns. Sometimes a small change can make a big difference in profitability.
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Total Outsource Service
If you want to get your small business lending program started immediately, J.R. Bruno & Associates offers the ability to outsource your entire SBA department with our Total Outsource Service.
Outsourcing your small business lending department has a number of advantages:
- Lower Personnel costs
- Lower training costs
- Lower facilities overhead
- Access to a team of experienced professionals
- Flexibility in capacity
A Total Outsource solution with J.R. Bruno & Associates will usually generate enough income to turn a profit in the first year. The length of time we manage your program is entirely up to you. While under contract, we handle all activities other than direct business development, loan approval, and servicing. Your staff learns while working with our experts, and you achieve profitability faster. We can transition the day-to-day operations back to you at anytime, at your discretion.
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Marketing Program
The J.R. Bruno & Associates Guaranteed Action Professional (G.A.P.) Marketing Program is a comprehensive marketing program for lenders serious about small business lending. Our marketing programs are designed to produce more knowledgeable, motivated employees while generating more commercial loans, increased deposits, and increased fee income.
The G.A.P. Marketing Program begins with a marketing and business analysis, identifying both the opportunities and the obstacles your institution faces in bringing your products and services to market. The J.R. Bruno & Associates G.A.P. Team then customizes your new business development strategy by creating, implementing, and managing a comprehensive marketing program with built-in checkpoints for analysis.
The key elements of our Marketing Program include:
- Direct marketing to generate new business leads.
- Community relations outreach to enhance community goodwill.
- Media relations management for maximum media exposure.
- Creative, results-oriented advertising to increase interest in your program.
- Sales material development to help market your bank and increase lead generation.
- Web site development to provide a suitable online presence.
- Incentive programs to motivate established customers and employees in generating referrals.
- Employee training to educate staff about your products and programs and provide necessary sales skills.
- SBA Continuing Education Classes to increase loan volume by forging new relationships with your community's accounting and law professionals.
We welcome the opportunity to create a unique program to fill the G.A.P.s in your marketing program that you may not even know you have.
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Technical Support Consulting
You may have a successful lending program, but know you could have a great program with guidance in a specific area. J.R. Bruno & Associates provides targeted consulting for lenders who need assistance with any of the following issues:
- Lending systems analysis or upgrades
- Lending policy review and development
- Procedural review and development
- Secondary market sales techniques and strategies
- Servicing, workout plans, and liquidation
- PLP application and expansions
If your SBA department needs expertise to correct a specific deficiency, we can provide onsite expertise, training, or consulting support until your program is running smoothly.
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Recruiting & Employment
Without the right person in the right place, your SBA lending program will not reach its full potential. J.R. Bruno & Associates regularly assists lenders in locating and interviewing for all of the following positions:
- Lending Executives
- Loan Officers
- Loan Closers
- Loan Processors
- Loan Servicers
- Business Development Officers
If expansion, mergers, or downsizing has left you shorthanded, let us help you find the right employees. We can provide invaluable information on who to hire, what questions to ask, and how much to compensate. Hiring is one of the most important aspects of running a successful department. If you need assistance, don't leave it to chance--contact us.
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