Focus on what you can control
In this environment of heightened financial stress, Praetorian empowers you to focus on controllable factors—such as refining risk assessment models, adapting lending policies, and achieving key performance indicators—to maintain resilience and drive performance.
Schedule a consultation with us to effectively navigate these challenges and fortify your lending strategies.
Credit Risk Management
Praetorian is your trusted partner in managing the entire loan life cycle — from origination to closure — at a time when rising delinquencies and charge-offs are reshaping the lending landscape.
Praetorian specializes in helping you identify and mitigate these threats before they impact your bottom line — from spotting early signs of borrower stress to managing underperforming accounts and preventing charge-offs.
With Praetorian, you gain a comprehensive, proactive approach to credit and collections management that balances risk, strengthens portfolio health, and supports sustainable growth for your institution — even in today’s volatile environment.
I. Manage a Quality Loan Portfolio
I recommend closely monitoring credit migration within your portfolio. By regularly assessing borrower creditworthiness, we can proactively adjust terms, target marketing efforts, and mitigate risks, ensuring both portfolio protection and growth opportunities.
II. Identify Threats in Advance
Praetorian helps you proactively manage portfolio risk by forecasting potential impacts based on historical performance trends and ensuring covenant compliance across your loans. We focus on identifying risks within your control, enabling you to address issues early, protect asset quality, and strengthen overall portfolio resilience. With Praetorian, you gain a disciplined, data-driven approach to prioritizing and mitigating risk before it threatens your bottom line.
III. Loss Recovery and Remediation
Praetorian delivers expert loss recovery solutions, focusing on early remediation and risk mitigation to minimize losses and restore portfolio performance. We help you identify at-risk accounts, implement tailored recovery strategies, and strengthen processes to reduce future losses, protecting both your bottom line and customer relationships.
Product Offerings
Praetorian offers specialized, strategic credit consulting to help lenders navigate complex or distressed accounts. Our Special Credit Memo blends quantitative analysis with qualitative borrower insights, providing a clearer picture of both capacity and willingness to pay. By developing tailored remediation and restructuring strategies, we help mitigate losses, improve recoveries, and strengthen borrower relationships. Acting as a fractional risk officer, Praetorian equips your team with the expertise and guidance needed to manage special credits effectively—without the overhead of a full-time hire.
Advisory Services Covered
I.
Portfolio Management
When you spend years responding to problems, you can sometimes overlook the fact that you could be preventing them. Praetorian's Portfolio Management approach focuses on upstream practices to avoid adverse downstream impacts. Remember, every system is perfectly designed to get the results it gets. Get in touch to learn more.
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III.
Underwriting Analysis
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Underwriting aims to determine the risk associated with lending and to set appropriate terms and conditions. The specific underwriting criteria and risk assessment methods can vary among lenders, and should be reviewed to determine the realization of risks and opportunities. Get in touch to learn more.
II.
Credit Mitigation Modeling
Know your customer! The risk of onboarding an underperforming client is compounded by the missed opportunities in failing to identify your strongest clients. Credit migration modeling can help you identify both threats and opportunities. Get in touch to learn more.
IV.
Collections Strategy and Analysis
Considering the fact that lending is the main activity of most financial institutions, the quality of the institutions collections team cannot be understated. From relationship building at the onset of delinquency, to escalation, charge off, and justification of settlements, Praetorian can help. Get in touch to learn more.
Gerry Weston
Principal
Gerry Weston, founder of Praetorian Consulting, brings 30 years of leadership in collections, lending, and credit analysis, with a proven track record of helping financial institutions improve performance and manage risk. Known for his pioneering spirit, Gerry has been “the first” to launch or transform credit and collections programs across B2B equipment leasing, credit unions, and fintech.
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A recognized thought leader, Gerry holds a B.S. in Economics from Central Washington University, is a Certified Lease and Finance Professional, holds a Project Management certification from UC Irvine, and is a Credit Union Enterprise Risk Management Expert.
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Outside of work, Gerry is a proud recent empty nester whose son graduated from the University of Washington with an engineering degree. He enjoys travel, live theater, and catching live music—especially his favorite 80’s cover bands.
At Praetorian, Gerry combines strategic expertise with a client-centered approach, helping organizations build resilient, high-performing credit and collections operations.
