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 Hosts Workshop for Bank Directors and Senior Management in Sioux Falls" 26 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host a two-day workshop in Sioux Falls, South Dakota, November 7-8 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 Enforcement Actions and Terminations" 21 Sep 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 ||||||||||||||

"Agencies Extend Favorable Community Reinvestment Act Consideration of Revitalization Activities in Certain Disaster Areas Affected by Hurricane Maria" 20 Sep 2023 16:45:00 -0400 - The federal bank regulatory agencies today announced they are extending the period for giving favorable consideration under their Community Reinvestment Act (CRA) regulations to institutions located outside of Puerto Rico and the U.S. Virgin Islands, for bank activities that continue to help revitalize or stabilize these areas devastated by Hurricane Maria. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Second Quarter 2023 Bank Trading Revenue " 14 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported cumulative trading revenue of U.S. commercial banks and savings associations of $13.7 billion in the second quarter of 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Mutual Savings Association Advisory Committee Meeting October 3" 13 Sep 2023 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced it will host a public meeting of the Mutual Savings Association Advisory Committee (MSAAC) on Tuesday, October 3, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Risk Governance and Capital Markets Workshops in Dallas" 11 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops October 24-25 in Dallas 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 Hosts Compliance and Credit Risk Workshops in Syracuse" 5 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops in Syracuse on October 17-18 for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal and State Financial Regulatory Agencies Issue Interagency Statement on Supervisory Practices Regarding Financial Institutions Affected by Hurricane Idalia" 1 Sep 2023 13:00:00 -0400 - The Federal Deposit Insurance Corporation, the Federal Reserve Board, the National Credit Union Administration, the Office of the Comptroller of the Currency, and state financial regulators, collectively the agencies, recognize the serious impact of Hurricane Idalia on the customers and operations of many financial institutions and will provide appropriate regulatory assistance to affected institutions subject to their supervision. The agencies encourage institutions operating in the affected areas to meet the financial services needs of their communities. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 24 National Banks and Federal Savings Associations" 1 Sep 2023 12:15:00 -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 August 1, 2023, through August 31, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Allows National Banks and Federal Savings Associations in Georgia, South Carolina and North Carolina Affected by Hurricane Idalia to Close" 30 Aug 2023 13:22:09 -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 of Georgia, South Carolina and North Carolina affected by Hurricane Idalia. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies extend favorable Community Reinvestment Act consideration of revitalization activities in certain disaster areas affected by Hurricane Maria" Wed, 20 Sep 2023 20:45:00 GMT - Agencies extend favorable Community Reinvestment Act consideration of revitalization activities in certain disaster areas affected by Hurricane Maria - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 20 Sep 2023 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the September 19-20 FOMC meeting" Wed, 20 Sep 2023 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 19-20 FOMC meeting - Source: ||||||||||||||

"Philip N. Jefferson sworn in as Vice Chair of the Board of Governors of the Federal Reserve System" Wed, 13 Sep 2023 14:00:00 GMT - Philip N. Jefferson sworn in as Vice Chair of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Lisa D. Cook sworn in for her second term as a member of the Board of Governors of the Federal Reserve System" Wed, 13 Sep 2023 14:00:00 GMT - Lisa D. Cook sworn in for her second term as a member of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Adriana D. Kugler sworn in as a member of the Board of Governors of the Federal Reserve System" Wed, 13 Sep 2023 14:00:00 GMT - Adriana D. Kugler sworn in as a member of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by R. Dean Phillips Bank Trust Dated 11-19-2004, and its subsidiary, HNB Bancorp, Inc." Tue, 5 Sep 2023 20:30:00 GMT - Federal Reserve Board announces approval of application by R. Dean Phillips Bank Trust Dated 11-19-2004, and its subsidiary, HNB Bancorp, Inc. - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Gardner Bancshares, Inc. and Small Business Bank" Tue, 5 Sep 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action with Gardner Bancshares, Inc. and Small Business Bank - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Idalia" Fri, 1 Sep 2023 17:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Idalia - Source: ||||||||||||||

"Agencies request comment on proposed rule to require large banks to maintain long-term debt to improve financial stability and resolution " Tue, 29 Aug 2023 19:00:00 GMT - Agencies request comment on proposed rule to require large banks to maintain long-term debt to improve financial stability and resolution - Source: ||||||||||||||

"Agencies propose guidance to enhance resolution planning at large banks" Tue, 29 Aug 2023 19:00:00 GMT - Agencies propose guidance to enhance resolution planning at large banks - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with HSBC Holdings PLC and HSBC North America Holdings Inc." Thu, 24 Aug 2023 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with HSBC Holdings PLC and HSBC North America Holdings Inc. - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Comerica Bank" Tue, 22 Aug 2023 20:30:00 GMT - Federal Reserve Board announces approval of application by Comerica Bank - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings from July 17 and July 26, 2023" Tue, 22 Aug 2023 18:00:00 GMT - Minutes of the Board's discount rate meetings from July 17 and July 26, 2023 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action and fines Regions Bank approximately $2.95 million for unsafe and unsound practices in its flood insurance compliance program and for flood insurance regulatory violations" Tue, 22 Aug 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action and fines Regions Bank approximately $2.95 million for unsafe and unsound practices in its flood insurance compliance program and for flood insurance regulatory violations - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by the Hawaii Wildfires" Thu, 17 Aug 2023 19:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by the Hawaii Wildfires - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Farmington State Bank, and its holding company, FBH Corporation" Thu, 17 Aug 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action with Farmington State Bank, and its holding company, FBH Corporation - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, July 25-26, 2023" Wed, 16 Aug 2023 18:00:00 GMT - Minutes of the Federal Open Market Committee, July 25-26, 2023 - Source: ||||||||||||||

"Federal Reserve Board provides additional information on its program to supervise novel activities in the banks it oversees" Tue, 8 Aug 2023 20:30:00 GMT - Federal Reserve Board provides additional information on its program to supervise novel activities in the banks it oversees - Source: ||||||||||||||

"Federal Reserve Board announces it is seeking individuals with a diverse set of expert insurance perspectives in life, property and casualty, and reinsurance issues to serve on its Insurance Policy Advisory Committee (IPAC)" Mon, 7 Aug 2023 14:00:00 GMT - Federal Reserve Board announces it is seeking individuals with a diverse set of expert insurance perspectives in life, property and casualty, and reinsurance issues to serve on its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||