Credit Support
Like navigating smooth waters, we bring timely, steady and trusted support across all areas of credit administration. We are here to help you simplify and strengthen operational efficiencies within your credit support functions.
Supported with seasoned staff + leading tech.
Full service co-sourced credit administration function for financial institutions offering a broad suite of “hands on” services. Services may be engaged individually or as a group.
Commercial Underwriting Package
Full commercial loan underwriting suite, including loan presentation preparation, financial statement spreading and analysis, collateral and guarantor review. The loan presentation can be tailored to the loan size request and complexity of the transaction. The analysis will include all items needed to support regulatory review and risk rating.
Commercial Loan Policy + CRE Guidance
MCC can perform a review and update your Loan Policy with industry best practices including commercial real estate lending specifically within the higher risk, non-owner occupied (NOO) segment. We also offer a full loan grading system for risk rating commercial loans to adhere to regulatory requirements and proper loan grade classifications.
CECL Reviews
Review of the appropriateness of the organization’s internal analysis and financial impact. Ensure all necessary documentation and protocols are in place to support auditor and regulatory exams.
Commercial Loan Assistance + Processing
MCC can securely interface into your company’s core system to type loan documents and process all types of commercial loans. We can conduct appraisal reviews for consistency and to ensure regulatory appropriate methods are used.
We can also assist with the ordering and tracking of appraisals, environmental reports, title work and legal documents.
Watch List Management + Special Asset Assistance
Prepare action plans or workout protocols to assist in the management of troubled loans either to rehabilitate them back into the portfolio or position them for liquidation or sale to maximize recoveries. Ensure appropriate financial analysis and documentation is completed to support TDR status or specific reserve requirements for regulatory and auditor reviews.
ABL Audit Assistance + Construction Lending Support
MCC can act as a conduit between the client and auditor to review accuracy and red flags with regard to borrowing base audits and calculations. We can also provide oversight of progress monitoring and construction loan draw processes.
Annual Review + Commercial Loans
Perform legacy loan annual reviews within the portfolio to support CECL calculations and your internal loan policy for regulatory expectations. We can focus annual reviews by loan size and higher risk segments of the portfolio.
SBA + USDA
MCC has significant underwriting and administration expertise within the government lending platforms of the SBA and the USDA. We can ensure all documentation needed and analysis is completed for timely approvals to the agencies. We can also assist with any secondary market guarantee sales to augment non-interest income sources, if desired.
Participation Loan Placement
MCC has a large network of strong financial institution contacts if assistance is needed in underwriting, placing and selling a loan participation for legal lending limitations or other reasons. MCC’s turnkey assistance can expedite the entire process and make it seamless for the underlying client.
Commercial Credit professionals who understand how to underwrite and effectively manage credit risk through a broad spectrum of diverse industries.
Effective, Secure, Knowledgeable
For over 30 years, our leadership has learned, developed, and optimized best practices within the community banking space to drive increased organizational value. Having built organizations from the ground up through both organic initiatives and full bank acquisitions, we can help you navigate the industry challenges to move your company forward one step at a time.