Lender Services
Gain Confidence and Mitigate Risk
Expertise Rooted in Commercial Finance
Your lender services advisory team brings years of experience in the commercial finance industry, including time spent on the lender side and also as third-party service providers. This means they can inherently understand engagement nuances and address your specific lending requirements while maximizing process efficiency—and ultimately empower you to make smart, strategic, and informed decisions.
A Customized Approach
A custom service approach eliminates standardized procedures to help ensure the risk assessment is not “one-size-fits-all.” Your advisory team will have deep familiarity with the terms sheet and employ a meticulous diligence process that addresses all your specific needs—and help you identify risk in your clients’ collateral.
Consistent Service
Lender services engagements are not used as training for associate level employees. You get a seasoned expert with a track record of providing a consistent and quality customer service experience every time. Advisors are full-time, internally hired employees that are focused solely on the lender services practice area. A dedicated engagement team means you know what to expect—and they know what to expect of you—each and every time. This results in efficiently delivering the expert insights you need and meeting your stringent deadlines.
Collateral Evaluations & Field Exams
Verify the value and condition of collateral securing a loan and evaluate your borrower's financial health and operations, including value of assets, reviewing financial and operational records, conducting on-site inspections, and identifying potential risks. A thorough and efficient process helps you mitigate risk, ensure compliance with loan terms, and make informed lending decisions by providing a detailed analysis of the borrower's collateral and overall financial stability.
Tax Planning and Compliance
Entity Structuring
Business Succession Planning
Mergers and Acquisitions
Collateral Availability Calculations
Reconciliations
Collateral Trend Analysis
Customer and Product Concentrations
Reserve Analysis
Working Capital Analysis
Substantive Testing
Internal Controls Assessment
Treasury Schematics Assessment
Insurance Assessment
Tax Liability Assessment
Credit Facility Compliance
Quality of Earnings
Get the financial analysis and insights you need to assesses the sustainability and accuracy of your borrower's earnings. Your lender services advisor will examine revenue consistency, expense levels, profit margins, cash flow, and accounting practices to identify non-recurring items and provide a true picture of financial performance.
Cash Flow Analysis
Cash Conversion
Risk Value Driver Identification
Tax Planning and Preparation
State Residency
IRS and State Representation
Estate, Gifts, & Trusts
Retirement Planning
Business and Income Tax
Preparation and Compliance
Nexus Reviews
Apportionment Methodology
Audit Assistance
Voluntary Disclosure
Personal Property Tax
Tax Research
Taxability and Procedures
Nexus Reviews
State and Local Registrations
Audit Support
Sales Tax Preparation
Refunds and Claims
Deal Structuring
Tax Diligence
How to Navigate the Transitional Period for Minnesota Sales Tax Rate Increase
Ohio Updates Commercial Activity Tax
Redpath Listed as a 2023 IPA Top 200 Firm
Andrew Kizer is the Managing Director of Lender Services for Redpath and Company, helping clients minimize their risk profile by providing objective collateral evaluations, field exams, and assurance services that lead to more insightful decision-making. Andrew brings over a decade of experience in the commercial finance industry—on the lender side and also as a third-party service provider—which allows him to understand the unique requirements of various lenders.
As project leader on the lender services teams for two national consulting practices, Andrew was responsible for internal training as the firms’ subject matter expert, go-to-market strategy development, and execution and management of multi-person engagements (pre-loan and post-loan). He also spent over 5 years as leader of the field exam department for one of the largest privately owned lenders in the nation, providing pre- and post-close diligence, managing and reviewing the reports of outsourced diligence providers, and working with the internal underwriting, portfolio management, and operations teams on deal structures.
Andrew has experience providing services to major, regional, and community banks, as well as specialty lenders. He has deep experience working with both private and publicly traded multinational borrowers in the manufacturing, retail, healthcare, staffing, energy, consumer products, telecom, logistics, metals, and agriculture industries.
Andrew earned a B.S. in Accounting from the University of Alabama at Birmingham and joined Redpath and Company in 2024.
Contact Andrew:
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