About
ICR isn't a staffing agency or an outsourcing shop. It's one person's career in commercial credit, made available to banks that need it.
I've spent my career in commercial lending and credit analysis — tax return spreading, global cash flow creation, CRE underwriting, and agricultural lending. I built ICR around the work I know examiners scrutinize most closely, and the work a stretched credit team has the least time for.
I started Independent Credit Resources to give community banks a third option beyond hiring or rushing deals through: senior-level credit analysis and underwriting support, on demand, without the overhead of a full-time hire.
I treat every engagement as peer-level work between lenders, not a vendor relationship. I use the source documents your team already collects and deliver files in the format your credit committee already uses — so the analysis drops into your process instead of creating a new one.
This isn't outsourcing your credit culture. It's a second set of experienced hands that thinks like a banker, because that's the work I've done from the bank's side of the table.
“If your credit team is stretched thin and you want to talk through what that could look like for your bank, send me a message. Always glad to compare notes with other lenders, even if it doesn't go further than that.”
Behind the scenes, I'm also building tools to make spreading and analysis work faster for the banks I work with — more on that as it's ready for the field.
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