Templates
Miscellaneous
Commercial Loan Underwriting Process
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Commercial Loan Underwriting Process

1
Role assignments
2
Review internal loan application work queue
3
Perform initial review of loan application using supporting documents
4
Determine if loan application requires internal expert engagement
5
Initiate collaboration with internal expert for loan application documentation
6
Connect with Local Compliance Team for applicable law assessment
7
Receive additional information from Local Compliance Team
8
Conduct loan application financial health analysis
9
Review borrower's financial statements for trends
10
Review borrower statements for profitability
11
Verify borrower statement for debt levels and liquidity
12
Compare borrower statement financial ratios to industry benchmarks
13
Conduct loan application financial credit analysis
14
Analyze borrower application against business operations and potential risks
15
Evaluate value of borrower collateral in case of default
16
Collaborate with Third Party Appraisal Provider to engage with borrower