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Commercial Credit Analysis
Underwriting Expertise for Credit Unions Offering Member Business Loans
The Pennsylvania Credit Union Association's Business Advisory Services now offers a complete suite of credit analysis and credit memorandum preparation services in support of credit union member business lending programs. Services include:
- Basic Financial Statement Spreadsheets
- Complete Business Credit Analyses/Memorandums
- Existing or Start-Up/Expanding Businesses
- Initial and Annual Reviews
- Participation Loan Re-Analyses and Documentation Reviews
Deliverables
A Basic Financial Statement Spreadsheet package outlines financial data as provided to you by your member in concise meaningful formats. Common Sized Balance Sheet, Income Statements, UCA and Traditional Cash Flow Statements, Ratio Calculations, and Peer Comparative Data are included as part of this package.
A Complete Business Credit Analysis / Memorandum can be obtained on an existing business or on a start up. These complete Memorandums not only include Common Sized Balance Sheet and Income Statements, UCA and Traditional Cash Flow Statements, Ratio Calculations and Peer Comparative Data, but also an extensive narrative outlining the strengths and weaknesses of the financial condition of the member business and the credit request and a clear depiction of borrower repayment ability. The narrative also includes a risk rating assignment which is based on a standard risk rating matrix.
A Participation Loan Re-Analysis and Documentation Review includes narrative outlining an assessment of the original credit union's credit quality and borrower repayment ability, the strengths and weaknesses of the credit request and the adequacy of the loan documentation package and re-assignment of a risk rating based on a standard risk rating matrix.
Pricing
All Commercial Credit Analysis Services are offered on a pay-as-you-go basis. We don't require an annual minimum or a yearly subscription fee. Our pricing matrix is based on the size of the loan request and the number of legal entities and individuals involved in the transaction.
Service You Can Trust
The staff of Business Advisory Services has years of experience in credit union and community banking environments. We have conducted analyses on borrowers in a wide variety of industries and performed post-closing loan reviews and commercial loan operations management functions. Rest assured, you are in the right hands.
Getting Started
For more information, contact Molly Snody, Director, Business Advisory Services, at 800-932-0661 x 5209.
For more information or to get started, please contact your Association Representative at 800-932-0661, or e-mail CUSolutions@pcua.org.
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- Business Development / Sales
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Central Pennsylvania
Russell Evans
Assistant Vice President,
Business Development
russell.evans@pcua.org
800-932-0661 x 5330 -
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Eastern Pennsylvania
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Zack Stecher
Account Executive
zack.stecher@pcua.org
717-903-3102
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Western Pennsylvania
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Monika Scott
Sr. Account Executive
monika.scott@pcua.org
717-503-7348
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