Loan Underwriting
We serve as an “outsourced” department to underwrite loans for lenders with excessive loan volume
Service includes:
- Formal Underwriting
- Loan structure
- Market/Industry information
- Competition
- Personal Financials, etc.
- Notes, Feedback, Recommendation
Some key reasons why EZFS should be your outsourced Underwriting department:
- Former Lender with NAGGL Credit/Underwriting Certification
- Extensive knowledge of SBA SOPs and Bank regulations
- We resolve financing issues upfront in order to determine financeable projects
- We calculate and limit Lender’s risk
- We are an outside support system to Lenders
- We prepare your Borrower by determining their Bankability
- Our fees are very cost effective compared to the salary of a full-time inhouse Underwriter
When your Bank has excessive loan volume that need approvals quicker than possible, we have the perfect solution for that. We serve as your outsourced Underwriters who:
- Fully understand the project, the borrower, and their vision
- Analyze financials and debt service ratios to build a case that proves the ability to sustain new debt
- Complete a formal Analysis/Presentation to share with loan committee for an approval
- Present facts and offer opinions/recommendations to Lender concerning borrower’s credit worthiness
- Review annual financials on existing loans and analyze the risk associated with the borrower’s financial condition
LET’S START THE CONVERSATION BY FILLING OUT “GET IN TOUCH FORM”