About Underwrite360
Experienced Credit People Behind the Analysis
Underwrite360 is an independent commercial credit underwriting firm built by career lenders and credit professionals.
We support banks, credit unions, CDFIs, community loan funds, private capital providers and active borrowers with experienced underwriting capacity and independent credit analysis.
The work may change from one engagement to the next.
The standard does not.
Understand the credit. Make the analysis useful. Leave the decision with the people responsible for it.
Built by Career Lenders
We understand how credit decisions get made because we have been the people responsible for making, reviewing and supporting them.
Our experience comes from inside commercial lending and credit.
That matters because underwriting is more than collecting numbers or completing a checklist.
The analysis has to help someone understand:
- what supports the request
- how repayment is expected to occur
- where risk exists
- which assumptions matter
- how the structure affects the credit
- what questions still need to be answered
The people reviewing the analysis should be able to use it. That is the standard behind the work.
Why Underwrite360 Exists
Melissa Shneyder, Founder
Melissa founded Underwrite360 after more than two decades in banking.
She saw a recurring problem: a sound request could require more time, analysis or attention than an internal team had available at that moment.
Sometimes the issue was capacity.
Sometimes a complicated credit needed another experienced perspective.
Sometimes the people responsible for the decision simply needed clearer analysis.
Underwrite360 was built to provide that additional commercial-credit resource without asking the client to give up its process, relationships or decision authority.
Melissa’s approach is straightforward:
- Read the numbers closely.
- Understand the context behind them.
- Ask the questions that matter.
Good underwriting requires both.
Credit Is More Than a Ratio or a Checklist
Financial analysis matters.
So do the circumstances behind the numbers.
A strong credit review may need to consider cash flow, repayment capacity, collateral, leverage, liquidity, projections, structure and risk.
But those pieces do not exist in isolation.
The job is to understand how they fit together and present that analysis clearly enough for the people responsible for the decision to use it.
Underwrite360 provides the analysis and perspective. The client retains the decision.
What Sets Underwrite360 Apart
Career Credit Experience
The work is performed by people who understand commercial underwriting and credit from inside lending organizations.
Independent Perspective
Outside analysis can add another experienced view without changing who owns the relationship or makes the final decision.
Flexible Capacity
Support can be used for a defined project, a temporary workload need or as an ongoing underwriting resource.
Work That Fits the Credit Process
Underwrite360 works within the client’s established policies, standards and process rather than asking the organization to adopt a separate one.
Who We Serve
Banks & Credit Unions
Experienced underwriting support when new requests, annual reviews, portfolio work or complex credits compete for the same internal resources.
CDFIs & Community Loan Funds
Commercial credit support for mission-driven lenders managing underwriting capacity, portfolio responsibilities, committee preparation and independent review.
Family Offices & Private Capital Lenders
Independent commercial credit analysis for private-capital teams evaluating complex or nontraditional transactions, assumptions and investment decisions.
Borrowers & Investors
A lender-side underwriting perspective before a financing request reaches the people responsible for making the credit decision.
Experience Behind the Work
Underwrite360’s experience includes:
- commercial credit underwriting
- financial statement analysis
- cash flow analysis
- repayment capacity
- collateral
- leverage and liquidity
- projections
- loan structure
- covenant analysis
- portfolio work
- annual reviews
- credit policy
- committee preparation
The work still requires experience, context and judgment.
That is true whether the need is one complex credit, a backlog of annual reviews or ongoing underwriting capacity.
The People Behind the Work Matter
Underwriting support is still a people business.
Clients need to know who is doing the work, what experience they bring and how they think about credit.
Our team page will introduce the people behind Underwrite360 and the experience they bring to the work.
Start With What You Need
Maybe your team needs more underwriting capacity.
Maybe a complex request needs another experienced credit perspective.
Maybe your organization is looking for help with annual reviews or portfolio work.
Maybe you are preparing a transaction before it reaches a lender.
Tell us what you are working through, and we can start there.