Once a loan is booked, it needs to be reviewed over time for changes in credit. The problem is that many banks have only one type of commercial loan review. This standard review usually requires approximately eight hours of work from credit, loan administration, and management. When this effort is combined with data expense, the report is produced at a cost of just over $1,000 per credit. If you are one of these banks that only have one type of review, then the good news is that you can save a material cost anytime you want AND have better risk management.