At PakPro Consulting, we specialize in helping community and regional banks independently review and stress-test their energy loan portfolios.
We don't just read borrower submissions — we audit them, challenge assumptions, and model real-world outcomes to help lenders protect collateral and mitigate risk before problems arise.

We act as your trusted resource for reserve-based lending (RBL) analysis, commodity risk evaluation, and borrower performance reviews — without the cost of a full-time internal team.

 Turning Borrower Reserve Reports Into Actionable Risk Assessments

Borrowers often submit projections built on optimistic assumptions. We take your borrowers’ reserve reports and run them through independent stress tests using current market strip pricing, field-proven production declines, and cost benchmark comparisons — delivering you a real-world view of your collateral value.

What We Provide:

• Stress tests of borrower reserves using updated strip pricing 
• Realistic production curve modeling adjusted for actual declines 
• Reassessment of PDP, PDNP, and PUD cash flows under multiple scenarios 
• Loan-to-value (LTV) recalculations based on independent forecasts 

Client Value:

• Tighter, risk-aware underwriting and portfolio management 
• Early warning signs before borrowing base issues emerge 
• Confidence when defending lending decisions to regulators and examiners

 Forecasting Cash Flows Using Today’s Market — Not Yesterday’s

Outdated price decks can create false comfort in borrower projections. We rebuild cash flow models tied to live NYMEX strip pricing, integrated with borrower hedging strategies to expose gaps or upcoming liquidity pressures.

What We Provide:

• Integration of strip pricing curves into forward cash flow modeling 
• Evaluation of hedge coverage adequacy (volume, price floors, counterparty exposure) 
• Assessment of how hedge settlements impact borrower liquidity and covenant compliance 

Client Value:

• Full understanding of commodity exposure at both borrower and portfolio level 
• Ability to forecast future cash shortfalls before they occur 
• Protection against unplanned margin calls and debt service disruptions 

 Catching Risks That Standard Submissions Miss

Many borrowers paint a positive story in their monthly or quarterly reports. We dig deeper — benchmarking operator performance against real-world expectations, finding hidden risks before they affect your loan books.

What We Provide:

• Comparative analysis of operator-reported production vs. expected declines 
• LOE benchmarking to uncover inflated cost assumptions 
• Detection of deferred maintenance risks, CAPEX shortfalls, or operational weaknesses 
• Trend analysis across your borrower portfolio to spot emerging stress early
   

Client Value:

• Reduce reliance on borrower self-reporting 
• Find vulnerabilities across your portfolio before default signals appear 
• Build proactive strategies for redeterminations, loan reviews, or restructuring talks

 Why PakPro Consulting? 

Most community and regional banks don’t have dedicated petroleum engineers, reserve auditors, or commodity risk teams on staff — but they still need expert support to manage energy exposure.
PakPro Consulting acts as your on-demand  advisor, focused exclusively on protecting lenders and enhancing portfolio stability.

We help you:
✅ Stress-test borrower reserves independently
✅ Align forecasts with real-world strip pricing
✅ Spot borrower weaknesses before they escalate
✅ Strengthen your internal underwriting and regulatory posture

Contact us to schedule a risk review of your current energy borrowers and gain the independent insight your bank deserves.