Science

We Understand the Science of Underwriting and Portfolio Management

The ACCU is built with an understanding of the basic structure of a Commercial Loan Approval/Annual Review as performed by various Lending Institutions throughout the country. This structure outlines the commercial relationship, provides an historical background of the related entities and performs a financial analysis of the repayment sources for the loan relationship. Although every Lending Institution has a slightly different process for underwriting, they all share this common basic framework of performing analyses of Commercial Loan Relationship Repayment. As such, the ACCU was built as a business method (patent-pending) to complete said analyses as based on a unifying model to allow any Lending Institution’s commercial loan underwriting process to be written into the system.

Guided by the relative importance of the forms encapsulated within the method, we set ourselves towards making the process as efficient as possible through the use of Automated Data Extraction Modules, which allow you to import data from PDF documents directly into the pertinent forms in the appropriate data cells. We also noted a 75% estimated average for the percentage of Commercial Loan Approvals that is dedicated to the analysis of the primary and secondary sources of repayment. We therefore placed the focus of our modules in that direction. In satisfaction thereof, our modules for Tax Return and Financial Statement data extraction equate to a 20% increase in efficiency when paired with the functionality of our forms. This means that your Lending Institution can increase its Loan Capacity by up to 20%. This provides you with the ability to make more loans while maintaining your ability to periodically review your loans for potential losses as required. The ACCU more than pays for itself through its time saving, cost reducing and profit producing capabilities.

The ACCU equates to a more expansive dataset with which to analyze the repayment of your Commercial Loans, captured within the presentation of a Commercial Loan Approval/Annual Review for each relationship. The ACCU approach is applied to understanding and maximizing the efficiency of your portfolio from the individual data to the portfolio data. In completion thereof, the ACCU also includes the ability to analyze your portfolio from a macroeconomic point of view with our portfolio report, which aggregates data from the loans in your portfolio (with the microeconomic view present in the Commercial Loan Approval for each relationship). This data may help you fulfill some of the necessary data requirements for CECL compliance (e.g. DSCR, LTV, Exceptions) and help you uncover existing trends within your portfolio (as loans are listed by industry, etc.).

Key

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Term Sheet

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Financial Ratio Analysis

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Relationship Account Summary

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Background

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Personal Credit Report Analysis

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Collateral Description

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Cash Flow Analysis - Personal Income

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Personal Financial Statement Analysis

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Real Estate Occupancy Analysis

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Cash Flow Analysis - Business / Real Estate

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Cash Flow Analysis - Global

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Collateral Summary

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Cash Flow Analysis - Construction

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Risk Rating

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Balance Sheet Analysis

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Cash Flow Analysis - Construction

Business Loans

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20.0%

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15.0%

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10.0%

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10.0%

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10.0%

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7.5%

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5.0%

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5.0%

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5.0%

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5.0%

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4.5%

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2.5%

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0.5%

Commercial Real Estate Loans

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25.0%

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15.0%

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10.0%

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7.5%

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7.5%

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4.5%

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2.5%

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0.5%

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7.5%

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5.0%

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5.0%

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5.0%

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5.0%

Construction Loans

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20.0%

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15.0%

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7.5%

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7.5%

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10.0%

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5.0%

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2.5%

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0.5%

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9.5%

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7.5%

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5.0%

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5.0%

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5.0%

"OCC Releases CRA Evaluations for 21 National Banks and Federal Savings Associations" 2 Jun 2023 10:55:53 -0400 - The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of May 1, 2023, through May 31, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Request Comment on Quality Control Standards for Automated Valuation Models Proposed Rule" 1 Jun 2023 16:00:00 -0400 - Six federal regulatory agencies today requested public comment on a proposed rule designed to ensure the credibility and integrity of models used in real estate valuations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Third and Fourth Quarter 2023 CRA Evaluation Schedule" 30 May 2023 13:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released its schedule of Community Reinvestment Act (CRA) evaluations to be conducted in the third and fourth quarters of 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Revises Bank Enforcement Manual to Address Actions Against Banks with Persistent Weaknesses" 25 May 2023 12:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced revisions to its policies and procedures manual on bank enforcement actions to reflect its consideration of actions against banks that exhibit or fail to correct persistent weaknesses. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Financial Inclusion" 23 May 2023 03:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed the Office of the Comptroller of the Currency's (OCC) commitment to a fair and inclusive financial system in remarks at the Bank On National Conference. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Issue Host State Loan-to-Deposit Ratios" 19 May 2023 14:00:00 -0400 - Federal bank regulatory agencies today issued the host state loan-to-deposit ratios that are used to evaluate compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 18 May 2023 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller of the Currency Testifies on Bank Supervision" 18 May 2023 09:30:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today testified on bank supervision before the Committee on Banking, Housing, and Urban Affairs of the U.S. Senate. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller of the Currency Testifies on Prudential Regulation" 16 May 2023 10:00:00 -0400 - WASHINGTON-Acting Comptroller of the Currency Michael J. Hsu today testified before the U.S. House of Representatives' Committee on Financial Services on the agency's actions and responses to recent market stress and how the agency is ensuring that national banks and federal savings associations operate in a safe, sound, and fair manner. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Issues Statement in Support of FDIC Notice of Proposed Rulemaking on Special Assessments" 11 May 2023 10:38:30 -0400 - Acting Comptroller of the Currency Michael J. Hsu today issued a statement in support of the Federal Deposit Insurance Corporation (FDIC) notice of proposed rulemaking on special assessments. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies request comment on quality control standards for automated valuation models proposed rule" Thu, 1 Jun 2023 20:00:00 GMT - Agencies request comment on quality control standards for automated valuation models proposed rule - Source: ||||||||||||||

"Federal Reserve Board announces consent order against Silvergate Capital Corporation and Silvergate Bank to facilitate the voluntary self-liquidation that Silvergate announced on March 8, 2023" Thu, 1 Jun 2023 15:00:00 GMT - Federal Reserve Board announces consent order against Silvergate Capital Corporation and Silvergate Bank to facilitate the voluntary self-liquidation that Silvergate announced on March 8, 2023 - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings from April 10 through May 3, 2023" Tue, 30 May 2023 18:00:00 GMT - Minutes of the Board's discount rate meetings from April 10 through May 3, 2023 - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, May 2-3, 2023" Wed, 24 May 2023 18:00:00 GMT - Minutes of the Federal Open Market Committee, May 2-3, 2023 - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with The Bank of Nova Scotia and Bank of Nova Scotia New York Agency" Tue, 23 May 2023 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with The Bank of Nova Scotia and Bank of Nova Scotia New York Agency - Source: ||||||||||||||

"Federal Reserve Board issues Economic Well-Being of U.S. Households in 2022 report" Mon, 22 May 2023 14:30:00 GMT - Federal Reserve Board issues Economic Well-Being of U.S. Households in 2022 report - Source: ||||||||||||||

"Agencies issue host state loan-to-deposit ratios" Fri, 19 May 2023 18:00:00 GMT - Agencies issue host state loan-to-deposit ratios - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Ally Bank" Fri, 19 May 2023 14:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Ally Bank - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with NongHyup Bank" Thu, 11 May 2023 15:30:00 GMT - Federal Reserve Board announces termination of enforcement action with NongHyup Bank - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Perry County Bancorp Inc. and Du Quoin State Bank" Thu, 4 May 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action with Perry County Bancorp Inc. and Du Quoin State Bank - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 3 May 2023 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board announces the results from the review of the supervision and regulation of Silicon Valley Bank, led by Vice Chair for Supervision Barr" Fri, 28 Apr 2023 15:00:00 GMT - Federal Reserve Board announces the results from the review of the supervision and regulation of Silicon Valley Bank, led by Vice Chair for Supervision Barr - Source: ||||||||||||||

"Federal Reserve Board announces that the review of the supervision and regulation of Silicon Valley Bank, led by Vice Chair for Supervision Barr, will be released on Friday, April 28, at 11:00 a.m. ET" Tue, 25 Apr 2023 20:15:00 GMT - Federal Reserve Board announces that the review of the supervision and regulation of Silicon Valley Bank, led by Vice Chair for Supervision Barr, will be released on Friday, April 28, at 11:00 a.m. ET - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with Orient Bancorporation and Bank of the Orient" Tue, 25 Apr 2023 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with Orient Bancorporation and Bank of the Orient - Source: ||||||||||||||

"Federal Reserve issues initial findings from its 2022 triennial payments study" Fri, 21 Apr 2023 15:00:00 GMT - Federal Reserve issues initial findings from its 2022 triennial payments study - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings from February 21 through March 22, 2023" Tue, 18 Apr 2023 19:30:00 GMT - Minutes of the Board's discount rate meetings from February 21 through March 22, 2023 - Source: ||||||||||||||

"Federal Reserve Board announces its approval for UBS Group AG to acquire the U.S. subsidiaries of Credit Suisse Group AG" Fri, 14 Apr 2023 20:00:00 GMT - Federal Reserve Board announces its approval for UBS Group AG to acquire the U.S. subsidiaries of Credit Suisse Group AG - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, March 21-22, 2023" Wed, 12 Apr 2023 18:00:00 GMT - Minutes of the Federal Open Market Committee, March 21-22, 2023 - Source: ||||||||||||||

"Federal Reserve Board accepting applications for its Community Advisory Council" Mon, 10 Apr 2023 14:00:00 GMT - Federal Reserve Board accepting applications for its Community Advisory Council - Source: ||||||||||||||

"Federal Reserve Board fines Wells Fargo $67.8 million for inadequate oversight of sanctions risk at its subsidiary bank" Thu, 30 Mar 2023 18:00:00 GMT - Federal Reserve Board fines Wells Fargo $67.8 million for inadequate oversight of sanctions risk at its subsidiary bank - Source: ||||||||||||||