SM3 Consulting provides credit departments at lean entrepreneurial financial institutions services that support the credit administration and risk management process. We use our experience as lenders and credit professionals along with readily available technology to deliver straightforward commonsense solutions that are both durable and affordable.

Community based financial institutions are leaner and more entrepreneurial than ever before, and credit departments are running at full capacity just to keep up. The economic and business conditions that created this environment are unlikely to change, which causes credit professionals to seek solutions that both expand capacity and reduce cost.

By using SM3, credit departments are able to flex periodically throughout the year, allowing key personnel to remain focused on day-to-day responsibilities while we tackle important time consuming but less accretive projects that broaden capabilities, increase efficiency, expand capacity, and reduce cost.

SM3 performs tasks like updating policies, redesigning processes, rewriting procedures; performing data analysis, running reports, developing training, and conducting independent credit analysis.

SM3 dedicates blocks of uninterrupted focused time, which ensures that assignments are completed on time, on budget, and as scheduled. And, because we don't squeeze it in between our daily tasks, our clients receive more thoughtful complete solutions that are ready for review, approval, and implementation.

We welcome the opportunity to discuss your needs and to explore ways to help you achieve your goals in the coming year.

If you are interested in learning more, please contact Scott Muyskens.