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 Announces New Executive Committee Members" 22 Sep 2022 12:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced three new members of its Executive Committee, effective October 10, 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Risk Governance and Compliance Risk Workshops in Nashville" 21 Sep 2022 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops November 1-2 in Nashville, Tenn., for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Allows National Banks and Federal Savings Associations Affected by Flooding in Alaska to Close" 19 Sep 2022 16:03:47 -0400 - The Office of the Comptroller of the Currency (OCC) today issued a proclamation allowing national banks, federal savings associations, and federal branches and agencies of foreign banks to close offices in areas affected by flooding in Alaska. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Allows National Banks and Federal Savings Associations Affected by Hurricane Fiona in Puerto Rico to Close" 19 Sep 2022 16:03:09 -0400 - Attached is NR 2022-115 titled "OCC Allows National Banks and Federal Savings Associations Affected by Hurricane Fiona in Puerto Rico to Closed" for posting today as soon as possible. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Improvement in Overall Mortgage Performance " 15 Sep 2022 13:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported that the performance of first-lien mortgages in the federal banking system improved during the second quarter of 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 15 Sep 2022 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 ||||||||||||||

"OCC Reports Second Quarter 2022 Bank Trading Revenue" 13 Sep 2022 13:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported cumulative trading revenue of U.S. commercial banks and savings associations of $10.3 billion in the second quarter of 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Miami Workshop for National Community Bank Board Directors, Bank Management" 13 Sep 2022 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host a workshop October 25-26 in Miami for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Announces Chief Climate Risk Officer" 12 Sep 2022 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced the appointment of Dr. Yue (Nina) Chen as Chief Climate Risk Officer. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Reaffirm Commitment to Basel III Standards" 9 Sep 2022 09:00:00 -0400 - Federal bank regulatory agencies today reaffirmed their commitment to implementing enhanced regulatory capital requirements that align with the final set of "Basel III" standards issued by the Basel Committee on Banking Supervision in December 2017. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal Reserve Board invites comment on updates to operational risk-management requirements for certain systemically important financial market utilities (FMUs) supervised by the Board" Fri, 23 Sep 2022 18:00:00 GMT - Federal Reserve Board invites comment on updates to operational risk-management requirements for certain systemically important financial market utilities (FMUs) supervised by the Board - Source: ||||||||||||||

"Federal Reserve Board approves discount rate action by the Boards of Directors of the Federal Reserve Banks of New York, Minneapolis, and San Francisco" Thu, 22 Sep 2022 20:45:00 GMT - Federal Reserve Board approves discount rate action by the Boards of Directors of the Federal Reserve Banks of New York, Minneapolis, and San Francisco - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 21 Sep 2022 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the September 20-21 FOMC meeting" Wed, 21 Sep 2022 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 20-21 FOMC meeting - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by CBTX, Inc." Wed, 14 Sep 2022 18:00:00 GMT - Federal Reserve Board announces approval of application by CBTX, Inc. - Source: ||||||||||||||

"Agencies reaffirm commitment to Basel III standards" Fri, 9 Sep 2022 13:00:00 GMT - Agencies reaffirm commitment to Basel III standards - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with HSBC Holdings plc" Thu, 1 Sep 2022 18:30:00 GMT - Federal Reserve Board announces termination of enforcement action with HSBC Holdings plc - Source: ||||||||||||||

"Federal Reserve updates FedNow Service timing to mid-2023, marks beginning of full-scale pilot testing  " Mon, 29 Aug 2022 18:45:00 GMT - Federal Reserve updates FedNow Service timing to mid-2023, marks beginning of full-scale pilot testing   - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on July 18 and July 27, 2022" Tue, 23 Aug 2022 18:00:00 GMT - Minutes of the Board's discount rate meetings on July 18 and July 27, 2022 - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, July 26–27, 2022" Wed, 17 Aug 2022 18:00:00 GMT - Minutes of the Federal Open Market Committee, July 26–27, 2022 - Source: ||||||||||||||

"Federal Reserve Board announces it has fined EagleBank $9.5 million for violation of the Board's insider lending regulation and has permanently barred its former CEO and chairman from the banking industry" Tue, 16 Aug 2022 20:00:00 GMT - Federal Reserve Board announces it has fined EagleBank $9.5 million for violation of the Board's insider lending regulation and has permanently barred its former CEO and chairman from the banking industry - Source: ||||||||||||||

"Federal Reserve Board provides additional information for banking organizations engaging or seeking to engage in crypto-asset-related activities" Tue, 16 Aug 2022 18:30:00 GMT - Federal Reserve Board provides additional information for banking organizations engaging or seeking to engage in crypto-asset-related activities - Source: ||||||||||||||

"Federal Reserve Board announces final guidelines that establish a transparent, risk-based, and consistent set of factors for Reserve Banks to use in reviewing requests to access Federal Reserve accounts and payment services" Mon, 15 Aug 2022 18:30:00 GMT - Federal Reserve Board announces final guidelines that establish a transparent, risk-based, and consistent set of factors for Reserve Banks to use in reviewing requests to access Federal Reserve accounts and payment services - Source: ||||||||||||||

"Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1" Thu, 4 Aug 2022 20:00:00 GMT - Federal Reserve Board announces the individual capital requirements for all large banks, effective on October 1 - Source: ||||||||||||||

"Federal Reserve Board announces it is seeking individuals to serve on its Insurance Policy Advisory Committee (IPAC)" Mon, 1 Aug 2022 21:00:00 GMT - Federal Reserve Board announces it is seeking individuals to serve on its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||

"FDIC and Federal Reserve Board issue letter demanding Voyager Digital cease and desist from making false or misleading representations of deposit insurance status" Thu, 28 Jul 2022 21:15:00 GMT - FDIC and Federal Reserve Board issue letter demanding Voyager Digital cease and desist from making false or misleading representations of deposit insurance status - Source: ||||||||||||||

"Federal Reserve Board approves discount rate action by the Boards of Directors of the Federal Reserve Banks of St. Louis and Minneapolis" Thu, 28 Jul 2022 19:30:00 GMT - Federal Reserve Board approves discount rate action by the Boards of Directors of the Federal Reserve Banks of St. Louis and Minneapolis - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with United Bank of El Paso del Norte" Thu, 28 Jul 2022 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with United Bank of El Paso del Norte - Source: ||||||||||||||

"Federal Reserve Board approves discount rate action by the Board of Directors of the Federal Reserve Bank of Kansas City" Wed, 27 Jul 2022 21:00:00 GMT - Federal Reserve Board approves discount rate action by the Board of Directors of the Federal Reserve Bank of Kansas City - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 27 Jul 2022 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||