Financial Institutions Group

Brean Capital's Financial Institutions Group (FIG) serves the needs of credit unions, banks, thrifts, bankers’ banks, and depository institutions nationwide. FIG fulfills the role of Strategic Partner and Trusted Advisor to the banking industry by dedicating ourselves to our clients’ financial success. Acting in a consultant capacity, FIG collaborates with a depository institution’s senior management, ALCO, and Board to develop value-added strategies tailored to their initiatives, the marketplace, and the specific characteristics of their balance sheet. Ultimately, FIG advises our clients on how to:
  • Grow net interest margin
  • Improve return on assets and return on equity
  • Build regulatory capital
  • Effectively manage and optimize their balance sheet
  • Identify, measure, monitor, and manage risk
To ensure the unique needs of the banking industry are met, FIG has assembled a cohesive team of seasoned professionals who possess extensive experience with solution-specific expertise in capital markets, fixed income sectors, depository balance sheets, and asset/liability management. FIG brokers, strategists, and analysts have backgrounds as: fixed income portfolio managers; bond traders; fixed income strategists; asset/liability managers; ALM model operators; ALM analysts; risk managers; balance sheet strategists; and depository institution executives.

FIG Solutions & Services Overview

FIG offers a complete suite of solutions, products, and services that set us apart from the competition by fulfilling the ongoing operational needs, regulatory concerns, and strategic growth initiatives of our depository institution clients:
  • Fixed Incomes Sales & Trading: Institutional Bond Brokerage
  • Investment Portfolio Analytics
  • Fixed Income Strategy
  • Balance Sheet Strategy & Analytics
  • Asset/Liability Management (ALM) Modeling & Reporting
  • Financial Strategies Group (FSG)
  • Loan Pool Trading & Loan Participation Services
  • Investment Banking: Fixed Income & Equity
  • Funding Assistance
  • Consulting Services
  • Equity Research
Investment Portfolio Analytics
  • Brean PAR: Portfolio Analytics Report
  • Strategic Investment Planning
  • What-If Scenario Modeling i.e. Before & After
  • Bond Swap Analyzer
  • Portfolio/Trade Optimizer
Through Brean Strategic Advisors, Brean Capital's affiliate, the following products and services are offered:
  • Derivatives Consulting & Guidance
  • Credit Modeling
  • Complex Loan and Securities:
    • Advisory
    • Litigation Support
    • Data Solutions
  • Bond Accounting Service

Balance Sheet Strategy & Analytics

Balance Sheet & ALM Analytics
  • Brean ALManager: ALM Modeling Service: quarterly, semi-annual, annual reporting
  • What-If Scenario Modeling i.e. Before & After of the Balance Sheet
  • Yield Curve Scenario Modeling
  • Stress Testing
  • ALM Modeling Parallel Run
  • ALM Model Validations
Asset/Liability Management (ALM) Modeling & Reporting

Brean ALManager Modeling Service uses a combination of the industry-leading, state-of-the-art ZM Financial Systems ZMdesk™ ALM Model and proprietary analytics. FSG offers an ALM Modeling Service that reports on:
  • Interest rate risk analysis
  • Economic value of equity calculations (EVE)
  • Net interest income simulations (NII)
  • Capital adequacy reporting
  • What-if scenario modeling
  • Stress-testing
Financial Strategies Group (FSG)

FIG offers Balance Sheet strategies and analytical tools through the Financial Strategies Group (FSG). FSG’s ALM analysts have decades of experience analyzing and optimizing depository institutions’ balance sheets. Employing a top-down methodology, FSG analysts assess the entire balance sheet based on the client’s specific needs and risk parameters in relation to:
  • Macroeconomic forces
  • Domestic economic trends
  • Industry competitive landscape
  • Current & forward yield curves
  • Client’s overall strategic initiatives
  • The institution’s financial goals
In conjunction with Fixed Income Strategy, FSG reviews client balance sheets, applying Brean ALManager and Brean PAR analyses to:
  • Devise balance sheet strategies
  • Create tailored investment portfolios
  • Identify and select appropriate fixed income sectors
  • Select specific individual bond holdings
  • Run ALM Modeling
  • Advise Senior Management, Board, & ALCO

Funding Assistance Facilitation

  • Funding Alternatives

Reverse Mortgage Loan Products

  • HECM Fixed Rate (HECM Choice)
  • HECM Adjustable
  • HECM For Purchase

Bond Accounting Service

  • Monthly Bond Accounting Report
  • Quarterly Shock Test
  • Data & Optional General Ledger Interfacing

Financial Institutions Group Mandates

  • The Client always comes first
  • Employ seasoned professionals with a deep depository institution history
  • Utilize state-of-the art, industry-leading financial analytics systems
  • Provide incomparable service, advice, and value as a Trusted Advisor and Strategic Partner to our clients