Banking & Financial Services Consulting: Clear Answers. Confident Action. Regulatory Peace of Mind.
At Pivot, we partner with financial institutions to assess, protect, and optimize their loan portfolios.
Deep Capability. Direct Action.
When operational complexity increases—or when internal teams are pulled in too many directions—strategy can stall, execution slows, and critical assets face greater exposure.
That’s where we come in. Pivot works alongside your institution’s special assets team as a force multiplier. Pivot aligns strategy with execution—protecting interests, reducing complexity, and acting with urgency.
Our support is tailored across a range of high-impact services, including:
- Collateral Valuation
- Strategic Consultation
- Borrower Negotiation
- Asset Management
- Transaction Oversight
- Critical Diagnostics
- Capital Sourcing
Built for Institutions Large and Small
Money Center Banks
We bring independent, third-party insight that enhances internal capabilities. Our team delivers clarity, discretion, and swift execution—while maintaining momentum and meeting compliance expectations.
Community Banks
We serve as an experienced, outsourced special assets team. Our support fills critical gaps when internal bandwidth is limited and provides early visibility into emerging risks—before they impact the balance sheet or draw regulatory scrutiny.
When Uncertainty Takes Hold
Pressure builds when the security of credit positions feel unclear, when performance signals shift, or when regulatory scrutiny sharpens. Internal teams may be stretched, and the answers needed aren’t always obvious—or available.
These are the moments that call for decisive insight and fast action:
- Confirming collateral security
- Uncovering hidden risk indicators
- Addressing regulatory expectations
- Providing objective, expert assessment
- Supporting internal teams when capacity is limited
Meet our Banking Services Team Leads
Kathy Lonowski
Managing Director
Kathy delivers a rare combination of regulatory insight, governance expertise, and strategic execution—helping clients navigate complex challenges, strengthen compliance, and seize emerging opportunities in the rapidly evolving financial sector.

Seth Wellisch
Managing Director
