Pre-fill a commercial loan file with spread financials, covenant checks, and collateral-value cross-references from core and third-party data, leaving the credit decision and pricing negotiation to the underwriter.
Underwriters spend most of a commercial loan file's turnaround time assembling and cross-checking data rather than making the actual credit decision.
Decide and negotiate
A commercial real estate loan file has been pre-filled with spread financials and a covenant check. The agent flagged a debt-service coverage ratio below the standard threshold, requiring a pricing exception.
Try it — same review surface your operators use, with a representative decision. Nothing here is saved or sent anywhere.
Evaluating marginal applications, verifying self-employed or complex income, negotiating covenants and pricing exceptions, and the underwriter's final sign-off stay with your team.
See this workflow against your own queue.
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