Our Services

Loan Reviews

SD Roberts Consulting provides banks with comprehensive loan reviews in preparation for regulatory examinations or in-house managing of loans. These reviews provide analysis to determine
1- Ability to repay
2- Collateral coverage
3- Interest rate shock
4- Probability of default
5- Independent loan grading
For independent businesses, we provide analysis of loans to be presented to banks for review by borrowers. This insures a comprehensive analysis of information and presentation as a banker would view it.

Bank Start-Up/Regulatory

SD Roberts Consulting has been involved in the establishment of several banks. This experience involves:

Regulator interface
Management selection/vetting
Policies and procedures development
Strategic planning
Deposit creation
Loan product development

We have successfully navigated the many nuances of the regulatory hurdles involved in the establishment of a commercial bank.

Documentation of Records Reviews

I have been used as an expert witness to testify as to bank operations, loan valuation, income and expense recognition, and other accounting and bank related matters. I have also counseled organizations as to the effective policies and procedures to insure compliance with State and Federal requirements.

I have been used as a mediator in legal proceedings on contracts and accounting/banking transactions. I am familiar with the procedures for various organizations that involve banking.

Mediation

At SD Roberts Consulting we offer professional mediation services to help individuals, families, and businesses resolve legal conflicts through collaborative, cost-effective solutions. Our experienced mediators are trained to facilitate fair and balanced negotiations, ensuring that all parties are heard and understood.
Our Mediation Services Include:
• Business & Commercial Disputes
Contract disagreements, partnership disputes, and vendor-client issues.
• Workplace Mediation
Employee relations, wrongful termination, and harassment complaints.
• Real Estate & Landlord-Tenant Conflicts
Lease disputes, boundary issues, and property transactions.
• Community & HOA Disputes
Why Choose Mediation?
• Confidential and private
• Cost-effective compared to litigation
• Faster resolution
• Promotes mutual respect and future cooperation
• Voluntary and non-binding until an agreement is signed
Flexible Scheduling & Remote Sessions Available
Let us help you reach a fair, workable solution without the stress and cost of court.
📞 Contact us today to schedule a free consultation.

Compliance Issues

My banking expertise is not limited to just balancing a statement. I organized and ran the only non-commercial government owned bank in the U.S. As part of the establishment of this bank, I regularly interacted with federal regulators and agencies, including Treasury, FDIC, Federal Reserve, and Congress.

I have been involved with banks that have needed expertise in managing regulatory issues and have been in senior roles advising both bank management and shareholder relations. This has included the reporting on bank initiatives and progress on regulatory compliance.

Books & Records Establishment and Clean Up

Cleaning up accounting books involves organizing financial records, reconciling accounts, correcting errors, and ensuring compliance with accounting standards. Here’s a step-by-step guide to help you:

1. Organize Financial Documents

Gather all invoices, receipts, bank statements, and financial records.
Digitize paper documents if necessary for easier access.

2. Reconcile Bank Accounts

Compare bank statements with accounting records.
Identify and correct discrepancies such as missing transactions or duplicate entries.

3. Categorize Transactions Properly

Ensure income, expenses, assets, and liabilities are classified correctly.
Review chart of accounts to ensure proper categorization.

4. Check Accounts Receivable & Payable

Confirm outstanding invoices and follow up on unpaid amounts.
Verify bills due and ensure all payments are recorded correctly.

5. Review Payroll & Tax Records

Ensure payroll taxes are properly withheld and paid.
Verify payroll expenses and reconcile with financial statements.

6. Adjust Journal Entries

Make correcting entries for errors found during reconciliation.
Record accruals, depreciation, and other necessary adjustments.

7. Generate Financial Statements

Prepare an income statement, balance sheet, and cash flow statement.
Analyze financial performance and identify areas for improvement.

8. Ensure Compliance & Close the Books

Review for tax compliance and accounting standards adherence.
Close out the accounting period by locking transactions to prevent future changes.

Interactions with CPA / Regulators / Legal

I have been used as a mediator in legal proceedings on contracts and accounting/banking transactions. I am familiar with the procedures for various organizations that involve banking.

Regulatory Analysis

I have successfully managed mergers for various companies, including coordinating the legal and financial valuations of entities. This includes a composite valuation of multiple holding companies both domestic and international.

Forensic Accounting

Forensic accounting services involve the use of accounting, auditing, and investigative skills to examine financial records for legal purposes. These services are often used in cases of fraud, disputes, litigation, or financial crime investigations. Here’s a breakdown of what forensic accounting services typically include:
Key Forensic Accounting Services
1. Fraud Investigation
o Detecting and investigating financial fraud, embezzlement, asset misappropriation, and financial misstatements.
o Identifying fraudulent transactions within businesses or personal finances.
2. Litigation Support
o Assisting legal teams with financial analysis in civil and criminal cases.
o Providing expert witness testimony in court.
o Preparing financial evidence and reports.
3. Financial Dispute Resolution
o Resolving financial conflicts in partnerships, divorces, or business dissolutions.
o Conducting business valuations in disputes.
4. Forensic Auditing
o Conducting in-depth audits to uncover financial irregularities.
o Identifying money laundering activities or unethical financial behavior.
5. Insurance Claims Analysis
o Evaluating claims related to business interruptions, employee dishonesty, or financial losses.
o Assessing losses for insurance settlements.
6. Asset Tracing & Recovery
o Locating hidden or misappropriated assets in fraud cases or divorce settlements.
o Investigating bankruptcy fraud.
7. Regulatory Compliance Investigations
o Ensuring businesses comply with financial regulations and anti-money laundering laws.
o Conducting internal investigations for regulatory compliance.

Loan Presentations

Having been a Chief Financial Officer for various domestic and international companies, I have set up intercompany holding company books, both public and private. In response to pending regulatory examination, I have reconstructed and categorized books and records, including supporting documentation.

As a CFO, I additionally have established reporting procedures for multi member LLC’s and corporations, not to mention crafted loan documents and external line of credit reporting systems

Fractional CFO Services

Hiring SD Roberts as a fractional CFO (Chief Financial Officer) can offer several advantages, especially for small to mid-sized businesses that may not yet need or can't afford a full-time CFO. Here are some of the key benefits:
1. Cost-Effective
• Lower Costs: Instead of paying a full-time salary for a high-level CFO, you pay for only the services they need. This is particularly beneficial for startups and growing businesses that may not have the budget for a full-time executive.
• No Long-Term Commitment: I can be hired on a contract basis or part-time, providing flexibility without the long-term financial commitment of a full-time employee.
2. Expertise Without Overhead
• Access to High-Level Skills: I bring specialized expertise, including financial strategy, budgeting, forecasting, and financial planning, which may not be readily available in-house.
• Diverse Experience: I work with multiple clients across different industries, bringing a wide range of experience and insights to your business.
3. Scalability and Flexibility
• Tailored to Your Needs: Businesses can scale the services up or down depending on their needs, making it easier to get the right level of financial support at the right time.
• Adaptability: Whether your business is in a growth phase, dealing with financial restructuring, or just needs periodic assistance, I can adjust my involvement to match the changing needs of your company.
4. Strategic Guidance
• Financial Strategy: I can help you develop a clear financial strategy, including cash flow management, profit optimization, and setting long-term goals for growth.
• Investor Relations: For businesses seeking investment or managing relationships with investors, I can handle negotiations, pitch preparation, and reporting.
5. Improved Financial Decision-Making
• Data-Driven Insights: With my expertise, I can help you interpret financial data, making it easier to make informed decisions on investments, cost-cutting, pricing strategies, and more.
• Risk Management: I can help you identify and mitigate financial risks, potentially saving the company from costly mistakes or financial pitfalls.
6. Time Savings for Leadership
• Focus on Core Business Activities: With me handling complex financial matters, business owners and CEOs can focus on the core operations, growth strategies, and innovation rather than being bogged down by day-to-day financial issues.
• Enhanced Financial Operations: I can help streamline financial processes, improve financial reporting, and ensure compliance with tax laws and financial regulations, giving you peace of mind.
7. Better Cash Flow Management
• Optimizing Cash Flow: One of the key responsibilities of a CFO is managing cash flow. I can ensure that cash is managed properly to avoid liquidity problems and ensure that the company can meet its financial obligations.
• Forecasting: I can provide accurate financial forecasts that help ensure the company is prepared for potential financial challenges.
8. Exit Strategy Preparation
• Mergers & Acquisitions: If you're looking to sell your business or merge with another, I can provide the financial expertise needed to guide the process and maximize the value of the company.
• Valuation: I can assist in valuing your business, preparing for due diligence, and ensuring you get the best deal when exiting or acquiring another business.
9. Objectivity and Fresh Perspective
• Unbiased View: Since a fractional CFO is not emotionally attached to the business, I can provide an objective, clear-headed approach to financial decision-making.
• Innovative Solutions: With my broad experience, I may suggest creative financial solutions that internal teams might overlook, driving new opportunities for growth.
In summary, I can allow your business to benefit from my top-tier financial expertise without the cost and commitment of hiring a full-time executive. This flexibility is especially advantageous for growing companies that need strategic financial oversight but don’t yet have the resources for a full-time CFO.

Expert Witness

SD Roberts Consulting provides expert witness services. We have specialized knowledge and experience in banking practices, regulations, and industry standards. We have often been called upon in legal proceedings to provide testimony, clarify complex financial matters, and offer opinions based on their expertise in the banking sector.