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AI Portfolio Risk & CECL Loan Review and Due Diligence

2025 Loan review benchmark report

See this year's survey results

The 2025 Loan Review Benchmark Report reveals how financial institutions are adapting to rising staffing costs, evolving workflows, and a shrinking pool of experienced reviewers. Based on Abrigo's survey of more than 100 banks and credit unions, the report is an industry favorite that explores the challenges and opportunities shaping loan review today. Learn about compensation and outsourcing trends, the growing impact of AI, automation, and hybrid work models.

You will learn: 

  • Loan review staffing models and structures across asset sizes

  • Evolving outsourcing trends in loan review

  • Staff experience levels by role and institution size

  • Salary ranges and year-over-year growth patterns for credit risk review staff

  • Emerging best practices from top-performing institutions

Inside the 2025 findings: What the data reveals

Loan review teams continue to feel the ripple effects of talent shortages and rising competition for skilled professionals. The 2025 report shows that while salaries have increased modestly, experience levels have declined for the second straight year across most asset sizes. 

As seasoned reviewers retire, many institutions are facing a growing knowledge gap, leaving less experienced staff to carry the torch. This shift underscores the need for forward-looking planning, robust documentation, and modernized processes that can protect institutional memory and ensure consistent, high-quality reviews. 

Download the report to benchmark your team and uncover practical insights for building a stronger, more efficient loan review function. 

Download full report

Salaries are rising, but so are expectations 

Compensation trends show that financial institutions continue to invest in their loan review teams, especially at the management level. But higher pay isn’t the whole story. Many teams are expanding their responsibilities beyond traditional review work, taking on acquisition due diligence, exam preparation, and Reg O compliance. 

Despite this growing scope, only about one in six departments reports having dedicated administrative support. For many institutions, that means existing staff are stretched thin, making efficiency and automation key to staying ahead of regulatory expectations. 

Average loan review salaries by role (2024 vs. 2025)

Chart, Average Loan Review Salaries by Role 2024 vs. 2025

Salary growth across loan review roles reflects a tightening labor market and rising expectations for productivity. Download the full report for complete compensation benchmarks by institution size and role.

The modern loan review team: More flexible, more strategic 

Loan review departments are evolving to meet new realities. Compared to 2024, fewer institutions outsource loan review entirely, but more are adopting a hybrid approach and combining internal staff and external partners to balance workload and expertise. 

Meanwhile, six in ten loan review professionals now work remotely or in hybrid arrangements. This shift toward flexibility presents new challenges for coordination and consistency but also offers opportunities for expanding the talent pool and improving retention. To succeed in this new environment, many institutions are turning to technology and automation tools that help standardize processes, reduce manual work, and enable collaboration across locations. 

Loan review staffing models (2024 vs. 2025) Chart, Loan Review Staffing Models 2024 vs. 2025

The hybrid model continues to gain traction as institutions blend in-house expertise with outsourced support to meet workload and staffing demands.

Additional resources

Hear loan review experts discuss the 2025 Loan Review Benchmark Report findings

Abrigo resources

Technology, oversight, and the future of loan review

The 2025 Loan Review Benchmark results are in. Explore how CFIs are adopting automation, integrating AI, and enhancing oversight in loan review. Watch the on-demand session and get the final infographic in our three-part series for exclusive peer insights and governance trends.

Watch recording

Measuring what matters: Scope, coverage, and review accuracy

Discover how FIs are defining “enough” in loan review. Explore 2025 Benchmark data on review scope, sampling methods, and risk evaluation. Watch the on-demand session and get the second infographic in our three-part series for peer insights on coverage levels and risk tolerance.

Watch recording

What a modern loan review team looks like today

What does a high-performing loan review team look like in 2025? Explore Benchmark Survey insights on staffing models, compensation, and productivity. See how CFIs are balancing workloads, outsourcing, and training, and get the first exclusive infographic highlighting key trends.

Watch recording