While some vendors focus on software solutions and others offer consulting advice to help financial institutions manage their balance sheets, Wilary Winn is different. We help clients measure, monitor, and mitigate balance sheet risk on an integrated basis. We consider credit, interest rate, and liquidity risk on a holistic basis, recognizing that a financial institution can implement multiple strategies to meet its strategic objectives.

Providers often specialize – one type of software vendor offers credit loss estimates while ignoring interest rate risk. Another type focuses on interest rate risk management and considers credit risk at the aggregate level. Similarly, some advisory firms provide investment advice only, while others provide detailed advice on a single loan type, such as residential real estate or indirect auto. Providers are also compensated in different ways. Software vendors often seek long-term contracts with onerous deconversion costs and investment advisory firms are generally compensated through commissions based on the sales and purchases of investments.

This array of options can make choosing a vendor a complex endeavor, trying to identify expertise while being aware of potential conflicts of interest. We are different. We charge a fee for our advice, so we do not have a financial bias as to the solution(s) a financial institution opts to implement. We simply want what is best for our client.