Valorem Bank Consulting was established to service the credit risk management function of community banks. Our focus on being an expert, cost effective solution to the ever increasing management risks, as well as our community oriented focus through the donation of 5% of gross revenues to the Orphan and Widow Care Fund at the Greater Manhattan Community Foundation makes us a great partner and resource to community banks. We avoid the pipeline mentality of many providers through dedicated scheduling. Our procedures are customized to your project with a focus on protecting and improving your bottom line so that every project is an absolute value. Work can be performed on site or remotely and if the project is not suited to our expertise or experience we will gladly refer you to the most qualified provider to our knowledge. We are Credit Risk Certified by The Risk Management Association (RMA).