• Underwriting staff has over 30 years experience;

• Provides 3-day turnaround;

• Credit memorandum and reports prepares standard reports, including comparative Balance sheet and Income statement, UCA Cashflow Analysis, etc., incorporating common-sized industry information. In addition, they prepare a full, narrative Credit Memorandum in Microsoft Word, including the Standard & Poor's Industry Survey. Clients have reported favorable comments from Examiners.

• Five-Year forecast incorporates the Loan officer's assumptions about inventories, receivables, payables, and seasonality; the model predicts monthly financials and cashflows for a five-year period.

• Custom Underwriting allows the Banker to choose the criteria and their relative weights to be used for commercial underwriting.