Quality initial credit analysis and underwriting is imperative to a sound and profitable loan. The Senior Management and staff at MBL Risk Analytics (MBLRA) have underwritten countless Commercial Loans that have since been reviewed by federal and state auditors and received top remarks. We work with our clients to develop a customized scope of work to meet their specific needs and budget. Each loan package includes, but not limited to:
Pre-screening and structuring of new loan requests (at no cost to the client);
Comprehensive financial analysis prepared to client specific policies and guidelines;
Detailed borrower and guarantor analysis;
Full review of all third-party reports, including credit reports, appraisal reports, and environmental reports/questionnaires;
An in-depth loan package in an intuitive, easy to understand format tailored to the specific requests of each client.
The final product is a complete and comprehensive loan package showing MBLRA prepared project analysis, detailed narrative, and conclusions ready to submit for approval. The package also includes a risk rating of the loan based upon your guidelines, conditions to be satisfied prior to closing, and loan covenants which adhere to client specific credit policies. Our credit presentation provides all the information you need to make an informed decision on your commercial loan request.
Similarly, performing a thorough annual review of each commercial loan is vital to ensure that your borrowers are meeting required covenants and to prepare for any course of action needed on the loan. MBLRA has the necessary skills to evaluate any commercial loan whether originally underwritten in-house, by MBLRA previously, or another vendor. The annual review is tailored to the needs of each client and includes but is not limited to:
Summary of the loan details (open date, maturity date, original and current balance, Etc.);
Background of the subject loan discussing the purpose and initial underwriting of the loan;
Comprehensive financial analysis based upon the most recent available financial information, including any changes since original underwriting;
Detailed borrower and guarantor analysis, including any changes since original underwriting;
Summary loan covenant and documentation requirements and whether each are being met;
Strengths, weaknesses, concerns (if any) and recommendations.
The final product is a detailed annual review package summarizing the current status of the loan and any recommendations as needed. The package also includes a new risk rating based upon your guidelines.
New commercial loan underwriting and annual credit review services are available on an ongoing or individual loan basis.
Contact us to learn more about how we can help your organization.