CRE and C&I Exposure in Your Loan Portfolio

CRE and C&I Exposure in Your Loan Portfolio

by | Jun 17, 2020 | Our Blog

Will there be CRE and C&I exposure in your commercial loan portfolio once the PPP stimulus ends? While the PPP program has certainly granted relief to many small businesses, others may find themselves still struggling. Many industries will find their local economies slow to recover, affecting the abilities of small businesses to meet their obligations.

Early detection, pre-emptive identification, and carefully monitored management actions can help your institution prepare. These actions need to be taken today to substantially reduce your commercial credit delinquencies and charge-offs in late 2020 and into 2021.

The Square 1 Credit Suite can help to protect your bank and credit union MBL capital during these challenging times. At Suntell, we can FastTrack the implementation of monitoring your watch list commercial and ag credits. Click here to learn more about the FastTrack option.

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How does a loan origination system work?

An LOS is defined as a system that automates and manages the end-to-end steps in the loan process – from the application, through underwriting, approval, documentation, pricing, funding, and administration.

What is the difference between loan origination and underwriting?

A loan officer is someone who works for a bank or credit union or other financial institution and offers loans to borrowers, while an underwriter is someone who analyzes documents from potential borrowers to determine if they are eligible for a loan.

What are the benefits of loan origination software?

By now, lenders are well versed in the benefits of a digital loan origination system, such as: Providing borrowers with easy, streamlined, and digital applications. Providing bankers with automating spreading and financial analysis tools.