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Our Clients Say

“I’ve been really impressed with the program, virtually from day one. In fact, even in the preliminary demo stage, I was sold right away. I knew it would accomplish the results we needed as a small community bank.”

-Rick Melone,
EVP, Chief Credit Officer
First National Bank of Wyoming

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CRE Loan Stress Testing

The Only ABA-Endorsed CRE
Loan Stress Testing Solution

The Banker’s Toolbox Crest™ solution is endorsed by the American Bankers Association (ABA) through its subsidiary, the Corporation for American Banking. The ABA endorsement of Crest™ indicates that it is the best-of-breed solution for commercial real estate (CRE) loan portfolio stress testing and offers the potential to improve your bank’s performance and profitability.

> Click here to read the full press release on the ABA website.

In an economic downturn, even the most responsible and secure financial institutions are exposed to negative conditions as borrowers default on loans. Stress testing will empower you to defend your institution by identifying and avoiding potential weaknesses in advance. Crest™ from Banker’s Toolbox™ is a cost-effective risk management solution that fits the size and complexity of your commercial real estate loan portfolio.

Shield Your Institution

More Than Just Portfolio Management

Crest™ is an affordable tool that not only gives you a comprehensive, current view of your financial institution’s current commercial real estate loan portfolio, but also projects hypothetical stress calculations based on your actual loan, collateral, and appraisal data.

Eliminate Burdensome Data Requirements
Crest™ is streamlined to provide more accurate stress test results with fewer data requirements than any other stress testing option available, overcoming the ongoing data-gathering challenge faced by all banks.

An Affordable, Flexible Solution
Why pay a consultant for a one-time session when you can have a solution that permanently bolsters your workout environment and enables you to constantly reevaluate your risk? Crest™ alleviates the frustration associated with traditional portfolio risk management by giving you quantitative and qualitative analysis that defends your reserves and is ready to hand to your regulators or board of directors.

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Benefits of Crest™

Choose the Most Efficient Stress Testing Method.
Crest™ is infinitely more manageable and cost-effective than the comparable tasks of maintaining data integrity in a spreadsheet or repeatedly hiring outside consultants.

Customize Your Stress Test Factors.

Be confident that your reserves reflect actual credit risk based upon your exact CRE portfolio and local economic environment.

Determine Your Exposure.

Determine potential weaknesses by understanding your individual loans, identifying any hazardous loan concentrations, and investigating vulnerable segments of your lending base.

Contact Us Today

With a properly diversified and hedged loan portfolio, your institution will be equipped to withstand market pressure in any economic environment. When you partner with Banker’s Toolbox,™ you can be assured of proven performance and top customer support. Contact us today to see how easily Crest™ can revolutionize your lending portfolio risk management.