Commercial lending professionals with MORE THAN 30 years experience in both credit analysis and lending/relationship management
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Who We Are
Clarity Credit Analysis is a collective of commercial lending professionals. Through our more than 30 years of working in the credit analysis and lending management field we identified a skill gap in the industry. Few commercial lenders provide formal credit training in-house, forcing them to rely on industry associations and on-the-job training for the credit skills necessary for prudent lending decisions. Experienced credit analysts are in demand creating turnover disruption for commercial lenders. The ability to quickly and consistently vet and analyze loans is critical in a highly competitive lending environment demanding quick response times and accurate decision making.
Clarity provides the experience, industry knowledge and best practices to bridge any gaps in your credit process.
Founder
Clarity was founded by Susan Bishop, CRC. With more than 30 years experience in commercial banking including credit analysis, commercial lending, relationship management, loan review and business development, Susan has worked with institutions ranging from community banks to national banks.
Susan holds a BS in Business Administration and is Credit Risk Certified through Risk Management Associates and is a member of Risk Management Associates. She has also served on the board of the Princeton Chapter of SCORE assisting startup and small businesses and was co-chair of the 2017 women’s business luncheon.
Susan taught financial concepts to health and human services professionals as an adjunct professor in the graduate school of Chestnut Hill College. She was Co-host of Executive Leaders Radio, a business talk radio show.
In her spare time, Susan volunteers for numerous athletic and faith-based boards and organizations.
Our Services
Clarity provides a range of services designed to work with your existing credit processes and team:
- Provide analysis which conforms to your credit policy and adheres to industry best practices and standards
- prescreen analysis for new loan opportunities
- analysis of new loan requests
- annual renewals of existing facilities
- annual reviews
- covenant testing
- Clear backlogs and improve turn-around times in a cost effective manner
- Provide customized and objective global credit analysis
- Facilitate informed analysis for faster decision making time-frames and improved client response
- Provide necessary documentation for lending decisions to meet compliance and examination requirements
What our clients say about us
"Our outside examiners like that the underwriting is independent—there’s no incentive for Clarity's bias to approve, or not approve the deal"
—Credit Administrator, NJ Bank
"We really like that the underwriting originates from our format and templates, so when Clarity provides the analysis, the end result is consistent with the credit department’s work product"
—Credit Department Manager, PA Bank
