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Pinnacle consultants concentrate on the following areas of bank operations:
- 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 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.
- Non-Interest Income
Increase non-interest income such as fees and service charges. Analyze waivers and refunds.
- Process Reviews
Improve branch operations, loan origination and processing, loan review, 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, explore small business opportunities, attract new customers from major competitors, and expand market possibilities.
- Market Research
Determine if your fees are aligned with your peers or if the opportunity to adjust your current fee structure is viable. With your input, our team will shop institutions in your marketplace to gather data on fees, interest rate information and product offerings.
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