Commercial Loan Review

Identify & Manage Risk

Get Clarity Through The Complexity

Accurate loan documents are essential in commercial lending. Loan agreements must be comprehensive, enforceable, and protect the lender’s interests. Even minor mistakes in drafting commercial loan documents can have serious consequences. Bonadio’s Commercial Loan Review Team works with financial institutions to assess credit risk and identify vulnerabilities within their commercial loan portfolios. By performing timely and comprehensive due diligence reviews of credit files, we can help your organization mitigate risk and facilitate well-informed decision-making while adhering to regulations.

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Commercial Loan Review Top 8 Loan Documentation Mistakes & How to Avoid Them

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The Bonadio Group

Commercial Loan Review Process

Contact the Bonadio Financial Services team to determine your organization’s right engagement level and loan review process. Together, we can ensure your success. Bonadio’s risk-based approach can be tailored to your specific needs, and we will:

  • Conduct a comprehensive review of loan relationships, encompassing, but not limited to, examining financial information, repayment history, and underlying collateral to determine the borrower’s ability to repay.
  • Calculate a Global DSCR, a pivotal metric for assessing if the loan relationship possesses global cash flow to meet required payments.
  • Based on this assessment, we calculate and compare a risk rating to the financial institution’s current risk rating.
  • Generate a report summarizing all reviewed relationships and outlining any recommendations for changes in risk ratings, findings, or other considerations.
On-Demand Webinar

Commercial Loan Trends in the Market & Loan Documentation

The on-demand webinar below covered the latest trends in commercial lending and how to adapt loan documentation to meet changing market needs. Topics covered included:

  • Commercial Real Estate Challenges
  • Interest Rate Changes
  • Risk Management
  • Financial Reporting Requirements
  • Covenants To Be Included In Loan Documentation

The session explored using forbearance agreements and technology in loan documentation to maintain and grow business relationships.

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