Commercial credit underwriting, when you need it
Our seasoned credit professionals support originations, renewals and ongoing credit servicing, with decades of C&I, CRE and SBA lending experience.
Benefits
Improved risk control
Independent, third-party underwriting brings objective reviews, less internal friction and a safe, sound portfolio.
No more backlogs
An overflow valve for peak volume periods, plus credit servicing support.
Cost effective
No added salaries, benefits, occupancy, equipment or training costs.
Better use of capacity
Improve operating leverage and design a more efficient credit process.
Consistent quality
An experienced team delivers consistent, predictable, high-quality work.
Faster turn times
Predictable turn times help your bankers set better expectations with clients.
How onboarding works
1. Your loan policy and risk appetite
We learn your loan policy hot buttons, underwriting approach and overall credit risk appetite.
2. Your credit memo
We customize our approach to match your current credit memo, cash flow calculations and assumptions.
3. Service levels and quality
We agree on service level agreements and a prioritization matrix, and assign a Senior Underwriting Manager as your primary point of contact.
What we underwrite
New credit, renewals and the portfolio you already have
New credit
- Originations, C&I and CRE
- Deal grooming
- Overflow underwriting in peak periods
- Large corporate syndications, including leveraged loans
Existing portfolio
- Renewals
- Annual reviews and credit servicing
- Global cash flow analysis
- Property-level CRE re-underwriting
SBA
- SBA underwriting
- SBA-compliant annual reviews
- Full SBA support through our LSP team
Results
How banks use our underwriting team
Shared services
Pair it with our other services
FAQ
Credit underwriting questions
Which types of credit do you underwrite?
Commercial credit across C&I, CRE and SBA lending, from originations and renewals to annual reviews and credit servicing, including large corporate syndications.
Will you follow our loan policy and credit memo?
Yes. During onboarding we learn your loan policy, underwriting approach and credit risk appetite, and match your credit memo, cash flow calculations and assumptions.
How fast are your turn times?
We agree on service level agreements and a prioritization matrix up front, so your bankers can set clear expectations with clients.
Who is our point of contact?
Each bank is assigned a Senior Underwriting Manager as its primary point of contact for communication and quality assurance.
Can we use you only for overflow?
Yes. Our team can act as an overflow valve during peak periods, on a retainer or as needed.
Do you handle annual reviews and credit servicing?
Yes. We complete annual reviews, global cash flow analysis and property-level CRE re-underwriting, including SBA-compliant annual reviews.
Ready to take the next step?
Learn more about our Credit Underwriting and connect with one of our expert lending professionals today!