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 Promotes Earned Income Tax Credit Awareness Day" 27 Jan 2023 10:00:00 -0500 - To make more eligible working families aware of the benefits of the Earned Income Tax Credit (EITC), the Office of the Comptroller of the Currency is promoting EITC Awareness Day on January 27. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Solicits Research on Emerging Risks in the Banking System" 23 Jan 2023 12:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) is soliciting academic research papers on emerging risks in the banking system or related policy and supervisory issues for submission by March 3, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 19 Jan 2023 11:00:00 -0500 - 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 Announces Approval of Bank of the West – BMO Harris Bank, National Association Merger" 17 Jan 2023 17:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today approved the merger of Bank of the West, San Francisco, into BMO Harris Bank, National Association, Chicago. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Management of Large Banks" 17 Jan 2023 14:15:00 -0500 - Acting Comptroller of the Currency Michael J. Hsu today discussed large bank manageability in remarks at Brookings. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Registration Open for OCC Symposium on Bank Mergers" 12 Jan 2023 17:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today announced registration is open for its symposium on bank mergers February 10, 2023, at its headquarters in Washington, D.C. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Revisions to Fair Lending Booklet" 12 Jan 2023 10:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today issued a revised version of the "Fair Lending" booklet of the Comptroller's Handbook. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 22 National Banks and Federal Savings Associations" 11 Jan 2023 12:15:00 -0500 - 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 September 1, 2022, through November 30, 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Announces Deputy Comptroller for Systemic Risk Identification and Support" 11 Jan 2023 11:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today announced Melissa Love-Greenfield as Deputy Comptroller for Systemic Risk Identification and Support (SyRIS) within the Supervision Risk & Analysis division. She will assume these duties January 29, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Annual Report for 2022" 5 Jan 2023 10:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today published its 2022 Annual Report. The OCC Annual Report provides Congress with an overview of the condition of the federal banking system, discusses the OCC's strategic priorities and initiatives, and shares the agency's financial management and condition. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal Reserve Board announces denial of application by Custodia Bank, Inc. to become a member of the Federal Reserve System" Fri, 27 Jan 2023 16:30:00 GMT - Federal Reserve Board announces denial of application by Custodia Bank, Inc. to become a member of the Federal Reserve System - Source: ||||||||||||||

"Federal Reserve Board issues policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status" Fri, 27 Jan 2023 16:30:00 GMT - Federal Reserve Board issues policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status - Source: ||||||||||||||

"Federal Reserve Board announces it has fined Popular Bank $2.3 million for processing six Paycheck Protection Program (PPP) loans despite having detected that the loan applications contained significant indications of potential fraud" Tue, 24 Jan 2023 16:00:00 GMT - Federal Reserve Board announces it has fined Popular Bank $2.3 million for processing six Paycheck Protection Program (PPP) loans despite having detected that the loan applications contained significant indications of potential fraud - Source: ||||||||||||||

"Chair Powell tested positive for COVID-19, is vaccinated, has mild symptoms, and is working remotely" Wed, 18 Jan 2023 15:30:00 GMT - Chair Powell tested positive for COVID-19, is vaccinated, has mild symptoms, and is working remotely - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Bank of Montreal and BMO Financial Corp." Tue, 17 Jan 2023 22:00:00 GMT - Federal Reserve Board announces approval of application by Bank of Montreal and BMO Financial Corp. - Source: ||||||||||||||

"Federal Reserve Board provides additional details on how its pilot climate scenario analysis exercise will be conducted and the information on risk management practices that will be gathered over the course of the exercise" Tue, 17 Jan 2023 20:00:00 GMT - Federal Reserve Board provides additional details on how its pilot climate scenario analysis exercise will be conducted and the information on risk management practices that will be gathered over the course of the exercise - Source: ||||||||||||||

"Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances" Fri, 13 Jan 2023 19:00:00 GMT - Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances - Source: ||||||||||||||

"Federal Reserve Board announces Reserve Bank income and expense data and transfers to the Treasury for 2022" Fri, 13 Jan 2023 16:00:00 GMT - Federal Reserve Board announces Reserve Bank income and expense data and transfers to the Treasury for 2022 - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on November 14 through December 14, 2022" Tue, 10 Jan 2023 19:00:00 GMT - Minutes of the Board's discount rate meetings on November 14 through December 14, 2022 - Source: ||||||||||||||

"Federal Reserve Board announces the designation of the Chairs and Deputy Chairs of the 12 Federal Reserve Banks for 2023" Tue, 10 Jan 2023 19:00:00 GMT - Federal Reserve Board announces the designation of the Chairs and Deputy Chairs of the 12 Federal Reserve Banks for 2023 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with former employee of Regional Acceptance Corporation and former employee of Central Savings Bank" Thu, 5 Jan 2023 16:00:00 GMT - Federal Reserve Board issues enforcement actions with former employee of Regional Acceptance Corporation and former employee of Central Savings Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, December 13-14, 2022" Wed, 4 Jan 2023 19:00:00 GMT - Minutes of the Federal Open Market Committee, December 13-14, 2022 - Source: ||||||||||||||

"Agencies issue joint statement on crypto-asset risks to banking organizations" Tue, 3 Jan 2023 19:00:00 GMT - Agencies issue joint statement on crypto-asset risks to banking organizations - Source: ||||||||||||||

"Federal Reserve Board announces the appointment of eight members, including six new members, to its Insurance Policy Advisory Committee (IPAC)" Thu, 22 Dec 2022 21:30:00 GMT - Federal Reserve Board announces the appointment of eight members, including six new members, to its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||

"Federal Reserve Board issues technical updates to its policy governing the provision of intraday credit in accounts at Federal Reserve Banks" Wed, 21 Dec 2022 17:00:00 GMT - Federal Reserve Board issues technical updates to its policy governing the provision of intraday credit in accounts at Federal Reserve Banks - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by United Community Banks, Inc." Mon, 19 Dec 2022 20:00:00 GMT - Federal Reserve Board announces approval of application by United Community Banks, Inc. - Source: ||||||||||||||

"Agencies release annual asset-size thresholds under Community Reinvestment Act regulations" Mon, 19 Dec 2022 16:00:00 GMT - Agencies release annual asset-size thresholds under Community Reinvestment Act regulations - Source: ||||||||||||||

"Agencies announce results of resolution plan review for certain domestic and foreign banks" Fri, 16 Dec 2022 21:00:00 GMT - Agencies announce results of resolution plan review for certain domestic and foreign banks - Source: ||||||||||||||

"Federal Reserve Board adopts final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023" Fri, 16 Dec 2022 15:00:00 GMT - Federal Reserve Board adopts final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023 - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Brookline Bancorp, Inc." Thu, 15 Dec 2022 21:30:00 GMT - Federal Reserve Board announces approval of application by Brookline Bancorp, Inc. - Source: ||||||||||||||