loans underwriting llc enhancing value for our clients
TRANSCRIPT
LOANS UNDERWRITING LLCEnhancing Value For Our Clients
WHO WE ARE
Loans Underwriting LLC is a Georgia corporation
We have been doing business since 2010
We bring together a team of seasoned credit analysts and underwriters with in-depth exposure to
all aspects of commercial loan underwriting and loan review.
WHAT WE DO
• Provide commercial loan underwriting services to lenders of all types and sizes throughout US
HOW WE DO IT
• We provide our services remotely
• Clients email or share loan documentation with us via Dropbox, OneDrive or equivalent
• We analyze and interpret the information provided by customers and give a feedback in form of a credit memorandum
WHAT WILL YOU BENEFIT FROM USING OUR SERVICES?
• Clog-free loan approvals
• No training needed
• Safety, confidentiality and security
• Payroll, hardware and software savings
• Cost effectiveness – outsource vs. in-house hire
• Unblotted staffing
Phew, what a relief from this workload!!
WHAT WILL YOU GET FROM USING OUR SERVICES? (cont.)
• No staff retooling
• Zero down time
• Industry’s best underwriting practices
• Faster turnaround
• Enhanced loan productivity
• High quality loan portfolio
• Satisfied borrowers
WHAT WILL YOU GET FROM USING OUR SERVICES? (cont.)
• Optimum efficiency ratio
• Fixed costs conversion to variable costs
• 100% satisfaction guarantee
OUR COMPETITIVE ADVANTAGE
• Providing comprehensive service, all-round commercial loan underwriting experience for our clients that includes lending advice, product and market information
• Keeping close contact with clients and establishing a well-functioning long-term relationship with them to generate repeat business and achieve top notch reputation
• Applying superior skills and providing clients a plethora of loan analysis that allows them to produce superior quality loan portfolios and increased profitability
at affordable cost.
OUR LOAN UNDERWRITING SERVICES
Analyzing and interpreting financial information to determine borrower’s capacity to borrow and service debt
• Spread financial statements/tax returns, generate UCA cash flow and financial ratios
• Spread personal financial statements
• Perform analysis of Debt Service, collateral, guarantor, credit report and bank statements
• Compute property NOI, DSCR and LTV ratios
• Identify risks and Risk-rate loans
• Structure loans
• Analyze bank statements and credit report
OUR LOAN UNDERWRITING SERVICES (cont.)
Writing credit memorandum and recommendations
Computing Allowance for loan and lease loss
Evaluating property as collateral “in abundance of caution”
Reviewing property appraisals for correctness
Reviewing loan performance
Discussing loan request, terms, and structure with customer
OUR LOAN UNDERWRITING SERVICES (cont.)
• Reviewing credit memos prepared by junior analysts
• Presenting credit memorandum to credit committees/ boards via phone or skype
• Preparing loan closing agendas
• Writing commitment letters
• Ordering property appraisals and/or environmental impact reports
• Liaising with loan closing attorneys
• Attending closing sessions within 200 miles radius of Atlanta, Georgia
OUR LOAN UNDERWRITING SERVICES (cont.)
• Coordinating loan drawdown
• Inspecting property within 200 miles radius of Atlanta, Georgia
HOW WE CAN SOLVE YOUR PROBLEMS
• If you have manpower issues
- we are available at short notice
• If your underwriting team has skill gaps
- we fit in seamlessly to review their work
• If your loan production does not require a fulltime underwriter
- you only pay for work done
HOW WE CAN SOLVE YOUR PROBLEMS (cont.)
• If some commercial loans are too involving and/or complex, e.g. SBA, participation and business acquisition loans
- taking unnecessary risks by trusting inexperienced staff with complex loans or engaging them months on end with daunting work is counterproductive.
• If you are a start-up lender
- we will walk you through the complexities of business formation and streamlining the loan production process
HOW WE CAN SOLVE YOUR PROBLEMS (cont.)
• If you are diversifying your lending portfolio
- unfamiliar loans can be daunting to the credit staff, particularly non-real estate loans. We do help lenders to develop loan criteria and underwriting standards of unfamiliar and challenging loans
• If you have high growth objectives
- we offer underwriting backup to clear backlogs or to prevent them from occurring
Complete a quotation form
online
Receive our quotation via email
Confirm approval of
quotation via email
We email engagement
contract to you for signature and
return
We agree on lending criteria
and you send loan package via your preferred method
We email a signed non-disclosure
agreement to you
Shipping Methods: Email Fax Cloud Courier Post Office
How It Works
JOB DONE!!
Credit Memorandum
& Recommendati
on
sent to you
Loans Underwriting
HOW DO WE GET STARTED?
• Request for a quote here: http://www.loansunderwriting.com/pages/assignmentchecklistca.aspx
email us at [email protected] OR call 1-800-858-8593
• We email you the quotation within 24 hours
• You email us your approval of the quotation
• We email you an engagement contract and a signed non-disclosure agreement
• You sign and return the engagement contract
• You email us your lending criteria if you have one, otherwise we develop one for you
HOW DO WE GET STARTED? (cont.)
• If you are a startup, we write a business plan and a loan policy for you upon request
• You email or share loan packages via Dropbox or OneDrive
• We analyze the information, prepare a credit memorandum with our recommendations and email or share them with you via Dropbox or OneDrive
• You review, approve or deny the loan
• We assist you will closing procedure, if needed
CALL LOANS UNDERWRITING TODAY
The ultimate loan underwriting Guru
1-800-858-8593