Improving Efficiency and Profitability

Far too often community banks get stuck in the rut of doing things because "that's the way we have always done it".  Today's core processors and third party vendors have come along way over the past several years.  It is imperative that organizations constantly evaluate and analyze their current operations to stay abreast of new opportunities and to improve on efficiencies. By doing so, community banks can improve profitability and in turn shareholder value.  Hamer Bank Consulting can assist you in reviewing your current operations and develop a plan for capitalizing on available opportunities. 

Process Improvement

There are a great number of consulting firms that promote efficiency and process improvement.  However, oftentimes the resulting recommendations are the result of counting widgets and making minor adjustments to service fees and core processor costs.  True improvements can only be gained through a thorough review of bank procedures, work flows and processes.  Hamer Bank Consulting will help you to achieve improved efficiency through a review of work flow and operational procedures.  The true benefit to efficiency lies in the associated cost of human resources.  We can help you to maximize productivity and in turm improve shareholder return.

Policies & Procedures

Most community banks are consistent and diligent in developing the required policies and procedures in order to meet the minimum regulatory requirements.  However, research shows that a multitude of exam findings result from the fact that banks all too often fail to follow the established procedures.  This provides an opportunity for regulators to exploit this weakness during exams.  Oftentimes banks create unnecessary policies and procedures which again can create potential problems if not followed. Add on top of this the ever changing regulatory requirements and it becomes difficult for community banks to comply.  Hamer Bank Consulting can assist you in reviewing and updating your policies and procedures to ensure improved operations as well as regulatory exam results.