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
Portfolio Risk Review (ATLR of Non-CUSO 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
Participation Desk
The platform is designed to simplify access to commercial real estate (CRE) loan opportunities while 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
Align on Objectives And Governance Needs
We start with your goals and internal oversight requirements. Then align on workflow and service scope.
Origination And Participation Workflow Support
Opportunities are evaluated through a structured process designed to support consistent review and decision-making.
Ongoing Servicing And Reporting
After close, servicing infrastructure and reporting tools support visibility and portfolio oversight.
Expand Support As Your Program Grows
Add services like credit administration and portfolio management as needs evolve.
Why AVANA CUSO
Mission-Aligned Support For SMEs
Designed to help credit unions expand and manage small business and commercial lending in a way that fits cooperative values.
Technology-Enabled Reporting And Workflow Discipline
Structured processes and reporting tools can help teams stay organized, informed, and audit-ready.
A-La-Carte Flexibility
Select specific services (origination, underwriting support, servicing, participation, portfolio support) and scale as needs change.
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 & Audit Consulting, and Trainings & 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?
Proven Success Stories
Client 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
Our Team
Sundip Patel
Co-Founder & Chief Executive Officer
Sanat Patel
Chief Lending Officer
Matthew Hunt
Chief Credit Officer
Mae Julian
Global Controller
Brianna Vaughan
EVP, Credit Union Success
Joy Hekking
VP, Servicing
Candace Sheets
SVP, Credit
Josephine Aquino
Customer Success Manager
Ward Hickey
SVP, Business Development Officer
