When Underwriting Support Makes a Difference
When You Need More Capacity, More Perspective or a Clearer Credit Picture
Underwrite360 provides independent commercial credit underwriting and analysis for organizations that need more capacity, deeper analysis or another experienced credit perspective.
There is not one reason organizations bring in outside underwriting support.
Sometimes an experienced internal credit team simply has more work than it can reasonably absorb.
Sometimes the people responsible for a funding decision need deeper analysis, additional information or another experienced credit perspective before they are ready to move forward.
Underwrite360 provides independent commercial credit underwriting and analysis for both.
Our career lenders and commercial credit professionals work alongside banks and credit unions, CDFIs and community loan funds, loan funds, private capital organizations and other capital providers nationwide.
The goal is not to take the decision away from you.
It is to help make sure you have the information, perspective and resources you need when you make it.
Two Common Reasons Organizations Bring Us In
Your Team Needs More Underwriting Capacity
A strong pipeline is a good thing.
It can also put pressure on a credit team already managing new requests, annual reviews, portfolio responsibilities and the day-to-day work that keeps lending moving.
Sometimes the need lasts a few weeks.
Sometimes volume has grown.
Sometimes a key member of the team is unavailable.
And sometimes there is simply more good work than the people available can reasonably absorb at that moment.
Underwrite360 can add experienced commercial underwriting capacity without asking your organization to change its credit standards or decision-making process.
We work alongside your team and within the framework you already use.
Explore Underwriting Capacity SupportThe Decision Needs a More Complete Credit Picture
Sometimes the challenge is not capacity.
It is making sure the people responsible for the decision have enough of the right information in front of them.
A bank, CDFI, MDI, revolving loan fund, economic development organization or private capital group may want deeper commercial credit analysis behind a particular request.
That may mean looking more closely at:
- what the financial performance supports
- repayment capacity and sources
- assumptions and projections
- collateral, liquidity and leverage
- risks that may influence the decision
- information that could change the analysis
- questions that still need to be answered
- options or structures that may deserve consideration
Our role is not to make the decision for you.
It is to help you see the credit more clearly.
Discuss an Independent Credit ReviewOutside Support Should Still Feel Like Your Credit Process
Bringing in outside underwriting support should not mean giving up the way your organization thinks about credit.
Underwrite360 adds experienced commercial credit resources where they can be useful, while working within the expectations and framework of the organization we are supporting.
That may mean helping an experienced internal team create more room.
It may mean giving a board or committee a more complete analysis.
Or it may simply mean bringing another experienced set of eyes to a decision that deserves it.
Your policies remain yours.
Your credit standards remain yours.
Your relationships remain yours.
And the final decision remains yours.
Where Underwrite360 Can Fit
Depending on the need, Underwrite360 can support:
New-Money Commercial Underwriting
Experienced analysis behind new commercial credit requests.
Overflow Underwriting
Additional capacity when current volume is greater than the internal team can comfortably absorb.
Annual Reviews and Portfolio Work
Experienced resources to support ongoing credit responsibilities while new opportunities continue moving.
Independent Credit Analysis
Another experienced perspective when a request deserves additional review or deeper analysis.
Pre-Committee Decision Support
Clear commercial credit analysis that helps the people responsible for the decision understand what supports the request, what may influence it and what still needs to be answered.
Temporary or Ongoing Underwriting Support
Flexible support when the need is project-based, temporary or part of an ongoing workflow.
The Best Support Starts With the Work in Front of You
You do not need to decide what to call the engagement before you contact us.
Start with what is happening.
Maybe your team needs room.
Maybe a particular request needs more analysis.
Maybe your board or committee wants another perspective.
Maybe you simply want to know whether an experienced outside resource could help.
Tell us what you are working through.
We will help determine where Underwrite360 can be useful and what the next step should be.
Frequently Asked Questions
When does it make sense to use outside commercial underwriting support?
Outside underwriting support can be useful when an internal team needs additional capacity, a particular credit requires deeper analysis, a board or committee wants another experienced perspective, or an organization needs commercial credit expertise that it does not maintain internally on a full-time basis.
The need can be temporary, tied to a specific request or part of an ongoing underwriting workflow.
Does outside underwriting replace our internal credit team?
No.
Underwrite360 is designed to work alongside the people already responsible for credit.
The organization keeps its credit standards, policies, relationships and decision-making authority. Our role is to add experienced underwriting resources, analysis or perspective where they can be useful.
Can an outside underwriter work within our existing credit policy?
Yes. Underwrite360 works within the framework, policies and expectations established by the organization we are supporting.
Outside capacity should support your credit process, not require you to replace it with ours.
Can Underwrite360 help with both new-money requests and annual reviews?
Yes.
Underwrite360 can provide support for new-money commercial underwriting as well as annual reviews, portfolio work and other ongoing commercial credit responsibilities.
The scope depends on what your team needs and how you want outside resources to fit into the workflow.
What is the difference between underwriting capacity support and an independent credit review?
Underwriting capacity support adds experienced resources when there is more credit work than the internal team has time to absorb.
An independent credit review brings another experienced perspective to a specific request or decision.
Some organizations need one.
Some need both.
The right approach depends on the work and the decision in front of you.