Portfolio Management for Credit Unions
AVANA CUSO helps credit unions monitor portfolio health, manage higher-risk assets, and strengthen reporting and documentation—through services and technology designed to fit your policies and team structure
Portfolio Oversight Built for Credit Union Governance
AVANA CUSO provides ongoing risk oversight and portfolio management support designed to give your team clear visibility into performance, concentration, and credit quality across your CRE book. From covenant monitoring to special asset management, we ensure your portfolio is actively governed — not just tracked
What We Provide
AVANA CUSO’s Portfolio Management offering includes four core areas — delivered à la carte or as part of a broader partnership, depending on your needs
Independent Review of Your Existing CRE Loans
Get an independent, structured review approach to evaluate portfolio risk and loan performance. Helpful when you want an outside perspective, added capacity, or a clearer review cadence. Support can include aligning scope to policy and delivering practical reporting outputs for internal discussion.
Special Asset Management Support
When a small set of credits demands disproportionate time, specialized support can help your team stay organized and responsive. AVANA CUSO supports oversight for complex or underperforming assets aligned to your internal process. Support can include improving documentation consistency and coordinating next steps across stakeholders.
Compliance, Regulatory, and Audit Consulting
Strengthen the way you prepare, organize, and evidence portfolio oversight. AVANA CUSO provides compliance, regulatory, and audit consulting support related to lending and portfolio management activities. Support can include clarifying documentation expectations, improving tracking consistency, and supporting audit readiness.
Trainings and Webinars
Stay ahead with our trainings and webinars covering special asset strategies, tech tools, market trends, and more. Designed for lending, credit, and executive teams, these sessions ensure your staff is equipped with the latest knowledge to support long-term success.
Technology and Reporting
Credit Union Portal
The Credit Union Portal brings CRE participation opportunities and portfolio reporting into one login, supporting internal workflows through built-in controls — such as managing lending preferences to align opportunities with strategy, user access management to reinforce internal controls, and email notifications that keep stakeholders informed
How It Works
01
Align on Scope and Governance
We start with your stakeholders, goals and reporting cadence, and agree which loans and segments are in scope.
02
Confirm Loan Information
You confirm which information and documentation we use, based on what is available and what your policy requires.
03
Independent Review and Findings
We review portfolio risk and loan performance and deliver practical reporting for internal and board discussion.
04
Ongoing Oversight
We help set up repeatable routines with dashboards, reporting and alerts, plus special asset support when credits need extra attention.
Proven Success Stories
38-Unit Multifamily in Newark, NJ
Multifamily
142-room Inn – Reading
Hotel
Multi-Tenant Industrial Property
Industrial
O’Connor-Masse Family Trust
Refinance
RJED Akron CRE Deal Case Study | AVANA CUSO
Acquisition
107-room Home2 Suites Deal
AcquisitionClient Testimonials
Jonathan Mays, VP of Mortgage and Commercial Lending
Commonwealth Credit UnionAVANA CUSO provided us with loan growth, reducing our interest rate risk and gave us diversification outside of our small market area
Get a Clearer View of Risk Across Your CRE Portfolio
Why AVANA CUSO
Built Around Credit Union Governance
Scope, reporting and documentation are aligned to your policies and to how your board and committees review risk.
An Independent Perspective
An outside review adds capacity and a second set of eyes on your CRE book, without replacing your team's judgment.
Technology-Enabled Reporting and Workflow Discipline
Structured processes and reporting tools can help teams stay organized, informed, and audit-ready.
Frequently Asked Questions
What does AVANA CUSO include in Portfolio Management?
AVANA CUSO’s Portfolio Management offering includes Portfolio Risk Review (ATLR of non-CUSO loans), Special Asset Management, Compliance/Regulatory and Audit Consulting, and Trainings and Webinars. The mix and cadence can be tailored to your governance needs and available information. Many credit unions use this support to add review capacity, improve consistency of oversight and reporting, and strengthen documentation readiness for audits and exams (requirements vary).
What is a “Portfolio Risk Review (ATLR)” and when would we use it?
A Portfolio Risk Review (ATLR of non-CUSO loans) is a structured, independent review approach to evaluate portfolio risk and loan performance within an agreed scope. It’s often used when teams want added oversight for certain segments, need support maintaining a consistent review cadence, or want clearer internal reporting outputs.
Can you help with special assets and higher-risk credits?
Yes. Special Asset Management support is part of AVANA CUSO’s Portfolio Management services. This can help when a limited number of credits require heightened attention and coordination across stakeholders. Scope, documentation expectations, and communication pathways are defined up front to align with your institution’s policies and requirements.
How do we get started, and what does AVANA CUSO need from us?
Ready for Stronger Portfolio Oversight?
Portfolio Risk Reviews
Special Asset Management Support
Compliance and Audit Consulting
Our Team
Sundip Patel
Co-Founder & Chief Executive Officer
Sanat Patel
Chief Lending Officer
Mae Julian
Global Controller
Brianna Vaughan
EVP, Credit Union Success
Joy Hekking
VP, Servicing
Candace Sheets
EVP, Head of Credit
Josephine Aquino
Customer Success Manager
