Loan Evaluation Services LLC. We’re seasoned.

 Our team members have an average of more than 39 years of experience… 3 have more than 44 each… 3 previously served as presidents of community or regional banks… and 6 led their banks as lending executives.

We add depth to client relationships:

  • Public Accounting (a CPA is part of our team)
  • Asset-Based Lending
  • Consumer and Commercial Loan Underwriting
  • Commercial Real Estate
  • Credit Approval
  • Loan Compliance (an associate is CRCM-designated)
  • State and Federal Regulations (a former national bank examiner is now an LES associate)
  • Certified Anti-Money Laundering Specialist

Collectively, we’ve managed:

  • Commercial loan portfolios
  • Commercial Real Estate loan portfolios
  • Business Banking loan portfolios
  • Retail loan portfolios
  • Professional and Executive portfolios


Read about our launch.

S. Kyle Waters | co-owner / manager |

Mr. Waters is a 44-year career banking executive and entrepreneur, one of the industry’s most experienced.
After the leadership and managerial portion of his professional life — primarily at Hibernia National Bank, now Capital One Bank—his No. 1 focus today is on community, retail, branch and small-business banking.

J. Andrew "Andy" Bower, CPA | co-owner / member |

Mr. Bower has operated a successful practice for 10 years, consulting for banks and performing loan reviews for a dozen banks in South Louisiana with portfolios ranging from $50 million to $1 billion. While the primary focus of his practice is loan review, he also performs internal audit and Bank Secrecy Act audit services for several community banks.