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Third-Party Loan Review for Banks and Credit Unions

Complete third-party loan reviews up to 4X faster.

Replace the file chasing, staff coordination, and endless back-and-forth of manual loan reviews, with a dramatically faster process that makes loan reviews simple, organized, trackable, and easily repeatable.

Choose between user-friendly Loan Review software or allow one of our expert credit teams to conduct a Third-Party Loan Review for you.

  • Fast turnaround, with limited data required
  • Produce board packets, exception reports, and trend summaries with one click
  • Say goodbye to missing fields, mismatched values, and data anomalies
  • Software starts at $1500/mo

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   

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, transparent, and easy to scale.

With no installation or core integration required, your team can launch quickly and easily manage every phase of the review.

  • Streamline workflows: Easily capture collateral, legal, underwriting, servicing, and grade checks.
  • Smart sampling: Build samples and manage loan pools.
  • Real-time exception clearing: Flag and resolve issues instantly.
  • One-click reporting: Generate summaries, board reports, and exception logs instantly.
  • Unlimited users: One subscription for your entire organization.

Third-Party Loan Review Services

Prefer an expert-led loan review?

Our Third-Party Loan Review service delivers the same transparency and speed as the software, plus the peace of mind of seasoned credit professionals handling the start-to-finish process.

Seasoned credit expertise

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

Peace of mind

High-impact reviews leave no room for error. Our specialists ensure the numbers are right.

Fewer disruptions

Our team manages the entire review from start to finish, eliminating workload for lending, credit, and admin staff.

Same modern workflow

You still get the online portal, real-time visibility, and process that makes our loan review software fast and transparent.

See how easy Loan Reviews should be.

Book a Demo Talk to a Specialist
  • Starts at $1500/mo
  • No installation
  • No heavy IT lift

FAQs

How often do banks and credit unions need to perform a Third-Party 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 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?

IntelliCredit is now part of OptimaFI. The integration brings together IntelliCredit’s credit-risk expertise and OptimaFI’s broader portfolio of financial technology, giving institutions a unified set of tools for loan review, credit analytics, and portfolio intelligence.