What is outsourced underwriting?
Outsourced underwriting gives a lender experienced credit analysts on demand. We spread financials, analyze cash flow and collateral, and deliver a credit memo your team can take to committee.
How we help
What we deliver
- Financial spreading and global cash flow analysis
- Credit memos ready for committee
- Annual reviews and covenant monitoring
- Commercial real estate and C&I loans
Referral partnership
- Refer loans outside your credit box or footprint
- We place them with other institutions
- Your client stays your deposit client
- You keep the relationship
Why a CPA-led team
- Tax-return and entity analysis
- Consistent, documented methodology
- Real estate and business lending experience
Front Street Advisors has proven to be a reliable and efficient partner in handling the loan referrals that our bank cannot manage due to our credit box limitations or footprint restrictions.
From first review to closing
Tell us about it
A short intake or a call. Progress saves as you go.
CPA-led underwriting
We analyze the numbers, structure and documents before anything moves forward.
Term sheet or placement
On select investor programs, qualifying deals receive a term sheet from us. Other financing is structured and presented to sources in our network.
Approval and closing
Final approval, appraisal, title and insurance through funding. Steps vary by program.
Before you apply
Do you replace our credit team?+
No. We extend its capacity during busy periods, for specialized deals, or on an ongoing basis.
How is borrower information handled?+
We work under confidentiality agreements and follow your institution's information-security requirements.