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%

"Interagency Statement on Community Reinvestment Act Joint Agency Action" 20 Jul 2021 16:30:01 -0400 - The Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) are committed to working together to jointly strengthen and modernize regulations implementing the Community Reinvestment Act (CRA). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Statement on Rescinding its 2020 Community Reinvestment Act Rule" 20 Jul 2021 16:30:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced it will propose rescinding the Community Reinvestment Act (CRA) rule issued in May 2020 and is committed to working with the Federal Reserve (Board) and the Federal Deposit Insurance Corporation (FDIC) to put forward a joint rulemaking that strengthens and modernizes the CRA. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Marks the First Anniversary of Project Reach" 15 Jul 2021 16:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today marked the first anniversary of Project REACh by hosting participants to celebrate the project?s accomplishments and to challenge them to do more in the next two years. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Request Comment on Proposed Risk Management Guidance for Third-Party Relationships" 13 Jul 2021 14:30:00 -0400 - The federal bank regulatory agencies today requested public comment on proposed guidance designed to help banking organizations manage risks associated with third-party relationships, including relationships with financial technology-focused entities. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Announces Organizational Changes" 6 Jul 2021 15:30:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced structural changes intended to enhance the agency's efficiency and effectiveness. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 16 National Banks and Federal Savings Associations" 2 Jul 2021 10:00:00 -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 June 1, 2021 through June 30, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Mortgage Performance Declines in First Quarter 2021" 28 Jun 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported that the performance of first-lien mortgages in the federal banking system declined during the first quarter of 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports First Quarter 2021 Bank Trading Revenue" 28 Jun 2021 12:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported trading revenue of U.S. commercial banks and savings associations of $10.5 billion in the first quarter of 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Statement on the Vote to Overturn OCC True Lender Rule" 24 Jun 2021 14:45:48 -0400 - Acting Comptroller of the Currency Michael J. Hsu issued the following statement on the U.S. House of Representative's vote to overturn the agency's true lender rule. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Office of the Comptroller of the Currency to Close June 18 in Recognition of Juneteenth" 17 Jun 2021 17:20:00 -0400 - In recognition of the Juneteenth federal holiday signed into law by President Biden today, the Office of the Comptroller of the Currency will be closed Friday, June 18, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal Reserve Board issues enforcement action with Texico Bancshares Corporation and Texico State Bank" Thu, 22 Jul 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with Texico Bancshares Corporation and Texico State Bank - Source: ||||||||||||||

"Federal Reserve Board statement on the Community Reinvestment Act" Tue, 20 Jul 2021 20:30:00 GMT - Federal Reserve Board statement on the Community Reinvestment Act - Source: ||||||||||||||

"Interagency statement on Community Reinvestment Act joint agency action" Tue, 20 Jul 2021 20:30:00 GMT - Interagency statement on Community Reinvestment Act joint agency action - Source: ||||||||||||||

"Agencies release public sections of resolution plans for eight large banks" Mon, 19 Jul 2021 20:30:00 GMT - Agencies release public sections of resolution plans for eight large banks - Source: ||||||||||||||

"Agencies request comment on proposed risk management guidance for third-party relationships" Tue, 13 Jul 2021 18:30:00 GMT - Agencies request comment on proposed risk management guidance for third-party relationships - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings from May 17 through June 16, 2021" Tue, 13 Jul 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings from May 17 through June 16, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by First Bank Corp." Mon, 12 Jul 2021 14:00:00 GMT - Federal Reserve Board announces approval of application by First Bank Corp. - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, June 15-16, 2021" Wed, 7 Jul 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, June 15-16, 2021 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with First Vision Bank" Thu, 1 Jul 2021 18:00:00 GMT - Federal Reserve Board issues enforcement action with First Vision Bank - Source: ||||||||||||||

"Federal Reserve announces it will soon release new tool to help community banks implement Current Expected Credit Losses (CECL) accounting standard" Thu, 1 Jul 2021 15:00:00 GMT - Federal Reserve announces it will soon release new tool to help community banks implement Current Expected Credit Losses (CECL) accounting standard - Source: ||||||||||||||

"Federal Reserve Board announces it will extend for a final time its Paycheck Protection Program Liquidity Facility, or PPPLF, by an additional month to July 30, 2021" Fri, 25 Jun 2021 19:30:00 GMT - Federal Reserve Board announces it will extend for a final time its Paycheck Protection Program Liquidity Facility, or PPPLF, by an additional month to July 30, 2021 - Source: ||||||||||||||

"Agencies release list of distressed or underserved nonmetropolitan middle-income geographies" Fri, 25 Jun 2021 19:00:00 GMT - Agencies release list of distressed or underserved nonmetropolitan middle-income geographies - Source: ||||||||||||||

"Federal Reserve Board releases results of annual bank stress tests, which show that large banks continue to have strong capital levels and could continue lending to households and businesses during a severe recession" Thu, 24 Jun 2021 20:30:00 GMT - Federal Reserve Board releases results of annual bank stress tests, which show that large banks continue to have strong capital levels and could continue lending to households and businesses during a severe recession - Source: ||||||||||||||

"Federal Reserve announces it will continue its Fed Listens initiative in 2021 to learn from a broad range of individuals, households, and communities about the economic recovery from the COVID-19 pandemic" Wed, 23 Jun 2021 13:45:00 GMT - Federal Reserve announces it will continue its Fed Listens initiative in 2021 to learn from a broad range of individuals, households, and communities about the economic recovery from the COVID-19 pandemic - Source: ||||||||||||||

"Federal Reserve Board extends comment period on proposed changes to Regulation II regarding network availability for card-not-present debit card transactions until August 11, 2021" Tue, 22 Jun 2021 14:30:00 GMT - Federal Reserve Board extends comment period on proposed changes to Regulation II regarding network availability for card-not-present debit card transactions until August 11, 2021 - Source: ||||||||||||||

"Federal Reserve Board's offices in Washington, D.C., will be closed Friday, June 18, in observance of Juneteenth National Independence Day" Thu, 17 Jun 2021 21:00:00 GMT - Federal Reserve Board's offices in Washington, D.C., will be closed Friday, June 18, in observance of Juneteenth National Independence Day - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with Craco, Inc." Thu, 17 Jun 2021 18:00:00 GMT - Federal Reserve Board announces termination of enforcement action with Craco, Inc. - Source: ||||||||||||||

"Chair Powell will host town hall with educators and students August 17, 2021 at 1:30 p.m. EDT*" Thu, 17 Jun 2021 15:00:00 GMT - Chair Powell will host town hall with educators and students August 17, 2021 at 1:30 p.m. EDT* - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 16 Jun 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the June 15-16 FOMC meeting" Wed, 16 Jun 2021 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the June 15-16 FOMC meeting - Source: ||||||||||||||