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

images

Term Sheet

images

Financial Ratio Analysis

images

Relationship Account Summary

images

Background

images

Personal Credit Report Analysis

images

Collateral Description

images

Cash Flow Analysis - Personal Income

images

Personal Financial Statement Analysis

images

Real Estate Occupancy Analysis

images

Cash Flow Analysis - Business / Real Estate

images

Cash Flow Analysis - Global

images

Collateral Summary

images

Cash Flow Analysis - Construction

images

Risk Rating

images

Balance Sheet Analysis

images

Cash Flow Analysis - Construction

Business Loans

images

20.0%

images

15.0%

images

10.0%

images

10.0%

images

10.0%

images

7.5%

images

5.0%

images

5.0%

images

5.0%

images

5.0%

images

4.5%

images

2.5%

images

0.5%

Commercial Real Estate Loans

images

25.0%

images

15.0%

images

10.0%

images

7.5%

images

7.5%

images

4.5%

images

2.5%

images

0.5%

images

7.5%

images

5.0%

images

5.0%

images

5.0%

images

5.0%

Construction Loans

images

20.0%

images

15.0%

images

7.5%

images

7.5%

images

10.0%

images

5.0%

images

2.5%

images

0.5%

images

9.5%

images

7.5%

images

5.0%

images

5.0%

images

5.0%

"OCC Releases Bank Supervision Operating Plan for Fiscal Year 2022" 15 Oct 2021 12:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released its bank supervision operating plan for fiscal year (FY) 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Diversity and Inclusion" 5 Oct 2021 12:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed the importance of promoting diversity and inclusion in the financial services sector during remarks at the Women in Housing & Finance Public Policy Luncheon. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 14 National Banks and Federal Savings Associations" 1 Oct 2021 14:00:00 -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 September 1, 2021 through September 30, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Improvement in Mortgage Performance " 28 Sep 2021 15:00:00 -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 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases Fall/Winter Schedule of Virtual Workshops for Community Bank Directors" 23 Sep 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced its fall and winter schedule of free, virtual workshops for boards of directors of community national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Innovation in Digital Assets" 21 Sep 2021 14:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed blockchain, cryptocurrencies, decentralized finance, and key lessons from the 2008 financial crisis that should guide the future of digital innovation during remarks before the Blockchain Association. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Cease and Desist Order Against MUFG Union Bank for Deficiencies Relating to Technology and Operational Risk Governance" 20 Sep 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today issued a Cease and Desist Order against MUFG Union Bank, N.A. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 16 Sep 2021 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 2021 Bank Trading Revenue" 16 Sep 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported trading revenue of U.S. commercial banks and savings associations of $8.1 billion in the second quarter of 2021.. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Priorities, Safeguarding Trust in Banking" 15 Sep 2021 13:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed the agency's priorities during an appearance before the Exchequer Club. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Minutes of the Board's discount rate meetings from August 23 through September 22, 2021" Tue, 19 Oct 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings from August 23 through September 22, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces it has joined the Central Bank Network for Indigenous Inclusion, which will foster ongoing dialogue, research, and education to raise awareness of economic and financial issues and opportunities around Indigenous economies" Wed, 13 Oct 2021 19:30:00 GMT - Federal Reserve Board announces it has joined the Central Bank Network for Indigenous Inclusion, which will foster ongoing dialogue, research, and education to raise awareness of economic and financial issues and opportunities around Indigenous economies - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, September 21-22, 2021" Wed, 13 Oct 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, September 21-22, 2021 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Banco Popular de Puerto Rico" Tue, 12 Oct 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Banco Popular de Puerto Rico - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with Pioneer Bank and former employee of Pacific Premier Bank" Thu, 7 Oct 2021 15:00:00 GMT - Federal Reserve Board issues enforcement actions with Pioneer Bank and former employee of Pacific Premier Bank - Source: ||||||||||||||

"Federal Reserve Board announces the Reserve Banks will adopt a new message format for the Fedwire® Funds Service and invites public comment on proposal to expedite adoption" Mon, 4 Oct 2021 18:00:00 GMT - Federal Reserve Board announces the Reserve Banks will adopt a new message format for the Fedwire® Funds Service and invites public comment on proposal to expedite adoption - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with UBS AG and UBS AG Stamford Branch" Fri, 1 Oct 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with UBS AG and UBS AG Stamford Branch - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Simmons Bank and announces termination of enforcement action with The Bank & Trust" Thu, 23 Sep 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Simmons Bank and announces termination of enforcement action with The Bank & Trust - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 22 Sep 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the September 21-22 FOMC meeting" Wed, 22 Sep 2021 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 21-22 FOMC meeting - Source: ||||||||||||||

"Federal Reserve publishes paper describing landscape of partnerships between community banks and fintech companies" Thu, 9 Sep 2021 16:00:00 GMT - Federal Reserve publishes paper describing landscape of partnerships between community banks and fintech companies - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former institution-affiliated party of BNP Paribas" Thu, 9 Sep 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former institution-affiliated party of BNP Paribas - Source: ||||||||||||||

"Agencies extend comment period on proposed risk management guidance for third-party relationships" Tue, 7 Sep 2021 14:30:00 GMT - Agencies extend comment period on proposed risk management guidance for third-party relationships - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with Intesa Sanpaolo S.p.A. and Intesa Sanpaolo S.p.A. New York Branch" Thu, 2 Sep 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with Intesa Sanpaolo S.p.A. and Intesa Sanpaolo S.p.A. New York Branch - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by California Wildfires" Tue, 31 Aug 2021 17:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by California Wildfires - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Ida" Mon, 30 Aug 2021 20:30:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Ida - Source: ||||||||||||||

"Agencies issue guide to help community banks evaluate fintech relationships" Fri, 27 Aug 2021 16:00:00 GMT - Agencies issue guide to help community banks evaluate fintech relationships - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on July 19 and July 28, 2021" Tue, 24 Aug 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings on July 19 and July 28, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with AllNations Bank" Tue, 24 Aug 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with AllNations Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, July 27-28, 2021" Wed, 18 Aug 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, July 27-28, 2021 - Source: ||||||||||||||