Smarter Loan Review. Stronger Portfolio.
Trusted Commercial Loan Review Services for Financial Institutions
Schedule Your No-Cost Consultation Today
Smarter Loan Review. Stronger Portfolio.
Trusted Commercial Loan Review Services for Financial Institutions
Schedule Your No-Cost Consultation TodayHouston Insights is a specialized commercial loan review firm focused on evaluating credit risk and portfolio health for banks, credit unions, and financial institutions. Founded by a seasoned loan review professional with over a decade of experience and supported by an advisor with 45+ years in the field, we combine deep industry expertise with advanced, proprietary technology to deliver smarter, faster, and more insightful reviews. Our in-house software platform streamlines the review process, enabling deeper portfolio analysis, enhanced accuracy, and faster turnaround—all while aligning with OCC, FDIC, and NCUA expectations. With Houston Insights, your institution is always exam-ready and future-focused.
At Houston Insights, we combine decades of hands-on credit analysis experience with proprietary technology purpose-built for commercial loan review. Our platform doesn’t just streamline the process—it enables deeper portfolio analysis, uncovers more actionable insights, and enhances consistency across reviews. This powerful blend of expertise and innovation allows us to deliver enterprise-grade results with the agility and focus of a specialized, client-first firm.
Founder & Managing Director
Benjamin Houston is a seasoned credit analyst and commercial loan review expert with over a decade of experience serving financial institutions. Before founding Houston Insights, he spent nearly a decade at Chaston Associates, where he advanced from Financial Analyst to Senior Credit Analyst and ultimately to Senior Technology Officer. In his credit roles, Benjamin provided in-depth portfolio reviews for institutions ranging from $50 million to over $5 billion in assets, analyzing complex credit relationships, assessing risk ratings, and preparing reports for C-suite executives. He has reviewed commercial real estate, C&I, construction, and residential mortgage portfolios, and has provided due diligence for M&A activity and loan purchases. Benjamin also brings a unique edge through his development of proprietary software that enhances the speed, accuracy, and cost-efficiency of loan reviews. He holds a degree in Entrepreneurship from Syracuse University and is certified in Commercial Credit by the Risk Management Association.
Senior Advisor & Quality Assurance Director
Allan Houston brings over 45 years of experience in commercial lending, credit risk assessment, and financial institution leadership. As Senior Advisor and Quality Assurance Director at Houston Insights, he provides strategic oversight and ensures the highest standards of review quality. Allan’s career includes senior executive roles at multiple banks, where he led commercial real estate, C&I, and mortgage lending operations through dynamic market cycles. He spent 15 years at Chaston Associates as Senior Vice President and Project Manager, conducting in-depth portfolio risk assessments for financial institutions and managing review teams. Allan holds an MBA in Finance from Northeastern University and a BBA in Economics from UMass Amherst, and has completed advanced training in commercial lending and credit analysis.
“Houston Insights helped us prepare for our regulatory exam with precision and speed. Their reports were clear, thorough, and actionable.”
— Chief Credit Officer, Regional Bank
Ready to elevate your loan review process? Let’s talk about how Houston Insights can support your institution.
Email: BenjaminTHouston@outlook.com
Website: www.houstoninsights.net