Loan Review Solutions for Community Financial Institutions

High-quality loan reviews, completed in record time.

File chasing, staff coordination, and endless back-and-forth — none of that belongs in a loan review. OptimaFI eliminates it, whether our team handles the review or yours does.

Choose between Loan Review Software for your internal team, or Loan Review Services conducted by OptimaFI’s expert credit team.

Fast to launch using the loan-level extract you already pull from your core or LOS
Produce board packets, exception reports, and trend summaries with one click
Built-in data checks flag missing fields, mismatched values, and anomalies before they slow the review

You’re one step away from a demo of OptimaFI’s loan review software.

A Preferred Service Provider of The Independent Community Bankers of America® (ICBA).

“They performed a high-quality Loan Review by seasoned reviewers and efficiently used technology to enhance the process to make it transparent and less intrusive for us.”

Susan Rich

Executive VP & CCO
One Florida Bank

“The biggest surprise has been how seamless and easy to use the technology is for clearing exceptions and monitoring where things stand. The transparency is a breath of fresh air.”

Shaun H. Ahmad

Executive Vice President, Deputy Chief Credit Officer
National Capital Bank

“The most innovative, efficient — and affordable — credit review process we’ve seen.”

Ed Cooney

CEO
Affinity Bank

“The technology is very robust and we find that the expertise is excellent. We have been very satisfied with the service and responsiveness.”

Glenn Rudzewick

SVP & CLO
Maspeth Federal Savings

Susan Rich

Executive VP & CCO
One Florida Bank

Shaun H. Ahmad

Executive Vice President, Deputy Chief Credit Officer
National Capital Bank

Ed Cooney

CEO
Affinity Bank

Glenn Rudzewick

SVP & CLO
Maspeth Federal Savings

Loan Review Software or Third-Party Loan Review Service — built for how you work

Some institutions keep loan reviews in-house. Others rely on external credit experts. Either way, OptimaFI's platform supports the work.

Loan Review Software

Who does the work
Your internal team (using OptimaFI's platform)

Best for
Institutions looking to improve their internal loan review function/process

Replaces
Excel, Word, and disconnected spreadsheets

Key benefit
Efficiency, organization, and repeatability

Setup time
Under a week

Loan Review Service

Who does the work
OptimaFI's credit experts

Best for
Institutions that engage an external provider

Replaces
Accounting firms and junior CPA-led reviews

Key benefit
Experienced former CCOs and regulators — not junior auditors

Setup time
Fast to launch, limited data required

Independent Loan Review Services

Need an independent loan review?

Our Third-Party Loan Review service delivers a structured, trackable process as well as the confidence of seasoned credit professionals handling the review start to finish.

Seasoned credit expertise

Your portfolio is evaluated & risk-graded by former CCOs, regulators, bankers, and trained reviewers — not junior auditors.

Confidence you can defend

Our specialists deliver well-supported risk-grade assessments and clear narratives you can stand behind with regulators, auditors, and your board alike.

Fewer disruptions

Our team manages the review from start to finish, reducing the coordination burden for lending, credit, and admin staff.

Same modern workflow

Full visibility into the review process, from first upload to final report.

Independent Loan Review is a fit if:

You want senior credit professionals
handling the review start to finish

You're looking to rotate providers to
meet examiner expectations

You currently engage an external
provider annually

Loan Review Software

Modern loan reviews — organized, easy to manage, and cloud-first.

OptimaFI's Loan Review Software replaces spreadsheets with a fully online workflow that's fast, trackable, and easy to scale. With no installation or core integration required, your team can quickly launch and manage every phase of the review in one place.

Streamline workflows

Easily capture collateral, documentation (including legal), underwriting, servicing, and risk grade checks.

Smart sampling

Build samples and manage loan pools that align with your institution's policy and judgment.

Real-time exception clearing

Flag and resolve issues efficiently in one place, with progress visible to the whole team

One-click reporting

Generate summaries, board reports, and exception logs in seconds

Unlimited users

Support multiple reviewers and teams across locations under one subscription

Year-over-year efficiency

Prior review inputs are preserved so each annual cycle builds on the last, getting faster every time

Loan Review Software is a fit if:

Your team already conducts reviews
internally using Word or Excel

You want to standardize and speed
up an existing internal process

You need to scale across multiple reviewers

See how easy Loan Reviews should be.

Book a Demo Talk to a Specialist

No installation
No heavy IT lift

FAQs

How often do banks and credit unions need an independent loan review?

Most institutions conduct an annual independent loan review, but higher-risk portfolios, rapid growth, new lending teams, or recent exam findings may warrant more frequent reviews (e.g., semi-annually or quarterly). Regulators expect the frequency to match the institution’s risk profile.

What’s the difference between OptimaFI’s Third-Party Loan Review service and Loan Review software?

We provide both options to give you more control and flexibility over your loan review process.

Our Loan Review service gives you a fully outsourced, independent review performed by seasoned credit professionals. You'll stay on top of progress via our online tool that lets you track progress as it happens, 24/7.

Our cloud-based Loan Review software easily captures collateral detail, legal documents, credit data, underwriting and servicing characterizations, loan policy adherence, financial spreads, and risk grade validations. Web templates with push-button reports expedite individual loan write-ups, sample review assessments and summaries.

Do I need IT support or a core integration to start using the Loan Review software?

No. The platform is fully cloud-based and requires no installation, no core integration, and minimal IT involvement. Most institutions can get started within days.

Can the platform support multiple reviewers or multiple branches?

Yes. OptimaFI’s Loan Review software allows unlimited users under one subscription, making it easy for lenders, credit staff, and administrators across locations to collaborate.

What is the relationship between IntelliCredit and OptimaFI?

The forming of OptimaFI in January 2026 brought together QwickRate, IntelliCredit, and Infusion Marketing Group. The products and services of our companies didn’t change, but coming together gives us the ability to closely collaborate to deliver our solutions across marketing, credit risk, and balance sheet.