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%

images

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 Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities and Authority of OCC to Charter National Trust Banks" 23 Nov 2021 14:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today published a letter confirming that national banks and federal savings associations must demonstrate that they have adequate controls in place before they can engage in certain cryptocurrency, distributed ledger, and stablecoin activities. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Issue Joint Statement on Crypto-Asset Policy Initiative and Next Steps" 23 Nov 2021 11:30:00 -0500 - Federal bank regulatory agencies today issued a statement summarizing their interagency "policy sprints" focused on crypto-assets and providing a roadmap of future work related to crypto-assets. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Approve Final Rule Requiring Computer-Security Incident Notification" 18 Nov 2021 15:00:00 -0500 - Federal bank regulatory agencies today announced the approval of a final rule to improve the sharing of information about cyber incidents that may affect the U.S. banking system. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 18 Nov 2021 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 ||||||||||||||

"Acting Comptroller Discusses Modernizing the Financial Regulatory Perimeter" 16 Nov 2021 13:00:00 -0500 - Acting Comptroller Discusses Modernizing the Financial Regulatory Perimeter. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Climate Change Risk" 8 Nov 2021 13:00:00 -0500 - Acting Comptroller of the Currency Michael J. Hsu today discussed climate change risk at OCC Headquarters. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Regulatory Perimeter" 3 Nov 2021 16:30:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed clarifying and modernizing the bank regulatory perimeter at the American Fintech Council's Fintech Policy Summit 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller of the Currency Issues Statement in Support of the NGFS Glasgow Declaration" 3 Nov 2021 10:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today released the following statement in support of the Network for Greening the Financial System (NGFS) Glasgow Declaration. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 15 National Banks and Federal Savings Associations" 2 Nov 2021 12:00:00 -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 October 1, 2021 through October 31, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Statement by the Acting Comptroller of the Currency on the Report on Stablecoins" 1 Nov 2021 15:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu issued the following statement on release of the Report on Stablecoins by the President's Working Group on Financial Markets, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Minutes of the Federal Open Market Committee, November 2-3, 2021" Wed, 24 Nov 2021 19:00:00 GMT - Minutes of the Federal Open Market Committee, November 2-3, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces members of its Insurance Policy Advisory Committee" Wed, 24 Nov 2021 16:00:00 GMT - Federal Reserve Board announces members of its Insurance Policy Advisory Committee - Source: ||||||||||||||

"Agencies issue joint statement on crypto-asset policy initiative and next steps" Tue, 23 Nov 2021 16:30:00 GMT - Agencies issue joint statement on crypto-asset policy initiative and next steps - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with The Goldman Sachs Group, Inc. and Goldman Sachs & Co. LLC" Tue, 23 Nov 2021 16:00:00 GMT - Federal Reserve Board announces termination of enforcement action with The Goldman Sachs Group, Inc. and Goldman Sachs & Co. LLC - Source: ||||||||||||||

"Statement by Governor Lael Brainard on her nomination by President Biden" Mon, 22 Nov 2021 18:45:00 GMT - Statement by Governor Lael Brainard on her nomination by President Biden - Source: ||||||||||||||

"Statement by Federal Reserve Board Chair Jerome H. Powell on his nomination by President Biden" Mon, 22 Nov 2021 18:41:00 GMT - Statement by Federal Reserve Board Chair Jerome H. Powell on his nomination by President Biden - Source: ||||||||||||||

"Federal Reserve announces College Fed Challenge winners" Fri, 19 Nov 2021 20:30:00 GMT - Federal Reserve announces College Fed Challenge winners - Source: ||||||||||||||

"Agencies approve final rule requiring computer-security incident notification" Thu, 18 Nov 2021 20:00:00 GMT - Agencies approve final rule requiring computer-security incident notification - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with Industrial and Commercial Bank of China Ltd. and Industrial and Commercial Bank of China Ltd., New York Branch, and a former employee of Eagle Bancorp, Inc. and EagleBank" Tue, 16 Nov 2021 16:00:00 GMT - Federal Reserve Board issues enforcement actions with Industrial and Commercial Bank of China Ltd. and Industrial and Commercial Bank of China Ltd., New York Branch, and a former employee of Eagle Bancorp, Inc. and EagleBank - Source: ||||||||||||||

"Federal Reserve issues consent order against Mashreqbank for firm's unsafe and unsound practices related to sanctions compliance" Tue, 9 Nov 2021 16:00:00 GMT - Federal Reserve issues consent order against Mashreqbank for firm's unsafe and unsound practices related to sanctions compliance - Source: ||||||||||||||

"Randal K. Quarles submits resignation as a member of the Federal Reserve Board, effective at the end of December" Mon, 8 Nov 2021 16:00:00 GMT - Randal K. Quarles submits resignation as a member of the Federal Reserve Board, effective at the end of December - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 3 Nov 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board issues statement in support of the Glasgow Declaration by the Network of Central Banks and Supervisors for Greening the Financial System (NGFS)" Wed, 3 Nov 2021 12:30:00 GMT - Federal Reserve Board issues statement in support of the Glasgow Declaration by the Network of Central Banks and Supervisors for Greening the Financial System (NGFS) - Source: ||||||||||||||

"Federal Reserve Board invites public comment on a technical notice of review regarding primary dealers operating in Spain" Wed, 27 Oct 2021 20:30:00 GMT - Federal Reserve Board invites public comment on a technical notice of review regarding primary dealers operating in Spain - Source: ||||||||||||||

"Federal Reserve Board announces it will host a series of diversity and inclusion conferences in November" Mon, 25 Oct 2021 20:30:00 GMT - Federal Reserve Board announces it will host a series of diversity and inclusion conferences in November - Source: ||||||||||||||

"Statement of Chair Jerome H. Powell on the Financial Stability Oversight Council's (FSOC) Report on Climate-Related Financial Risk" Thu, 21 Oct 2021 22:15:00 GMT - Statement of Chair Jerome H. Powell on the Financial Stability Oversight Council's (FSOC) Report on Climate-Related Financial Risk - Source: ||||||||||||||

"Federal Reserve Board announces it will begin its Survey of Finance Companies this month as part of the Board’s continuing effort to improve its understanding of credit availability to households and businesses in the United States" Thu, 21 Oct 2021 19:00:00 GMT - Federal Reserve Board announces it will begin its Survey of Finance Companies this month as part of the Board’s continuing effort to improve its understanding of credit availability to households and businesses in the United States - Source: ||||||||||||||

" Federal Reserve Board announces a broad set of new rules that will prohibit the purchase of individual securities, restrict active trading, and increase the timeliness of reporting and public disclosure by Federal Reserve policymakers and senior staff" Thu, 21 Oct 2021 18:00:00 GMT - Federal Reserve Board announces a broad set of new rules that will prohibit the purchase of individual securities, restrict active trading, and increase the timeliness of reporting and public disclosure by Federal Reserve policymakers and senior staff - Source: ||||||||||||||

"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: ||||||||||||||