Case Study: Northeastern Community Bank achieves proactive loan-risk monitoring and major cost savings with Baker Hill Portfolio Risk Management

Northeastern Community Bank - Customer Case Study

Northeastern Community Bank engaged Baker Hill to modernize a highly manual, judgment‑based loan review and risk‑rating process. The $7 billion regional bank wanted to cut time spent on annual loan reviews and move from reactive handling of commercial and smaller credits to a proactive, data‑driven approach to portfolio monitoring, replacing a paper‑based corporate risk‑rating matrix.

Baker Hill implemented Baker Hill Portfolio Risk Management to consolidate data, automate monitoring and early‑warning indicators, and enable proactive migration of risk ratings. The bank began seeing warning signs earlier, reduced charge‑offs and improved workout conversations with clients, saved about one hour per risk‑rating form (roughly 20 hours per month from 20 downgrades), and automated reviews for 1,800 of 2,200 small‑business lines—reducing required staff from three–four people to one for half a year and allowing savings to offset the software cost.