Consulting Services

• Identify the appropriate product mix for your market
• Optimize alignment of technology, processes and people
• Identify untapped profit potential
• Improve operational efficiency and teamwork
• Implement measurable earnings improvement

We work with financial institutions to assess their current systems and procedures to ensure their technology, processes and people are aligned to help them exceed their goals and objectives. This is achieved by providing consultative support every step of the way from the review process to training and implementation.

Clients come to us to significantly increase the speed and effectiveness of implementing measurable earnings improvement. What sets us apart is our focus on implementation and execution. Our expertise has been gained from working in hundreds of different organizations and over twenty years of combined experience in banking and bank consulting across a broad range of sales and service disciplines.

Pinnacle offers a variety of implementation-oriented management consulting services, to include:

Cash Management

Determine proper operating cash levels for all branches, support functions and ATMs. Optimize cash management functions and check clearing operations to maximize investable funds.

Non-Interest Income

Increase non-interest income such as fees and services charges. Analyze waivers and refunds.

Non-Interest Expense and Staffing

Decrease non-interest expenses such as advertising, printing and gratuitous mailings. Chart customer traffic patterns by hour of day, using actual transaction data to determine optimum staffing levels. Core and debit card contract re-negotiation.

Process Reviews

Improve branch operations, customer service and training and maximize effectiveness of support functions.

Systems Effectiveness

Enhance core and ancillary systems, assure full utilization of current systems, reporting processes, systems controls and automate tasks.

Business Opportunities

Expand your product mix and enhance organic growth and expand market possibilities by developing and implementing incentive plans, products, promotion and campaigns.

Pinnacle takes pride in teaming up with community banks and credit unions to achieve extraordinary profits in ordinary markets.