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Technical Tip: Extending Loan Maturities
CUBG’s expert staff provided this tip in response to a question we hear frequently from our clients. Q: Once a…
Technical Tip: Revaluing CRE Using the Income Approach to Value
Determining current property values is a critical part of underwriting and risk management, especially in today’s market. Revaluing real estate…
Don’t Sell Your Branches Short! Harness Your Hidden Superpower for Selling Commercial Lending
Selling commercial services isn’t easy. Business loans and deposits are more complex and nuanced than common consumer financial products like…
6 Ways to Help Your Business Members During COVID and Beyond
Due to the coronavirus, credit unions and businesses have been forced to adapt and change the way they interact. Remaining…
The Insider Secrets of Business Lending: Requiring Guarantors
In 2016, the NCUA revised commercial lending regulations to allow credit unions to set their own personal guaranty requirements. While…
Technical Tip: Projecting Commercial Real Estate Cash Flow – Standard Industry Deductions
Preparing and analyzing the proforma cash flow for income producing commercial real estate is an important part of the underwriting…
Technical Tip: Amortization vs. Maturity
Amortization and maturity are frequent terms heard in the financial industry. Both have important uses in business lending, but what…
Debt Service Coverage – The Key to Determining Capacity
From Nick Reynolds, VP/Credit Services Manager The risks associated with business lending differ significantly from those associated with traditional consumer…
Expert Tip: Appraisal Reviews Critical in Loan Underwriting
From Nick Reynolds, VP/Credit Services Manager While appraisal reviews are a necessary step to ensure that the appraisal is accurate…
Ongoing Monitoring with Annual Reviews and Covenants
By Nick Reynolds, Vice President/Credit Services Manager of CU Business Group, LLC The risks associated with business lending differ significantly…
Business Lending to Contractors
By Nick Reynolds, Vice President/Credit Services Manager of CU Business Group, LLC The risks associated with business lending differ significantly…
What is Holding Back the Development of Comprehensive Business Services in US Credit Unions?
The credit union movement has experienced rapid growth across the United States in recent years. After the financial crisis of…
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