Case Study: NorthEast Community Bank reduces loan-review time and charge-offs with Baker Hill Portfolio Risk Management

NorthEast Community Bank - Customer Case Study

NorthEast Community Bank, a $7 billion Northeastern community bank, faced a highly manual, judgment-driven loan review process and an outdated corporate risk-rating matrix. The bank’s goals were to reduce time spent on annual loan reviews and move from reactive credit handling to a proactive, data-driven approach.

NorthEast implemented Baker Hill Portfolio Risk Management to centralize data, automate monitoring and risk-rating migration, and surface early-warning indicators. Baker Hill’s solution let the bank detect issues before financial reviews, reduce charge-offs, save about one hour per risk-rating form (roughly 20 hours/month from 20 downgrades), automate reviews for 1,800 of 2,200 small-business lines, and cut review staffing to one person for half the year — delivering clear cost and efficiency gains.

NorthEast Community Bank