In our current environment of heightened regulatory scrutiny on construction and development lending, one ought to be thinking about key elements of your construction portfolio and how it supports growth and aligns with your business objectives. If your construction loan portfolio is approaching or has grown over 100% of capital, then it is likely you will be subject to increased scrutiny from your regulators. An expert third-party validation can help you execute your strategy and achieve your goals.
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One of the benefits of having so many financial institutions as clients is our ability to stay constantly informed regarding regulatory “hot-button” issues. Much of those issues have revolved around stress testing, credit underwriting support and enterprise risk management.
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In the January 2017 issue of the RMA Journal, in an article titled “Banks Needn’t Fear a 1984 Scenario”, the RMA quantified the cost of underwriting a commercial loan. Their estimate specific to the cost of credit analysis was $6,140 per underwrite.
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