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How Loan Size Impacts Commercial Loan Profitability

South State Correspondent

The first factor is that commercial loan underwriting is a fixed overhead cost business. It takes almost the same upfront costs (source, underwrite, approve, document, and fund) to originate a $250k commercial loan as a $5mm commercial loan.

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How Loan Size Impacts Commercial Loan Profitability

South State Correspondent

The first factor is that commercial loan underwriting is a fixed overhead cost business. It takes almost the same upfront costs (source, underwrite, approve, document, and fund) to originate a $250k commercial loan as a $5mm commercial loan.

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Commercial banks must now focus on fundamentals

Accenture

Having pulled through the Covid pandemic, the unravelling of international supply chains and a global energy crunch, commercial banks must now grapple with a spike in interest rates and the collapse of some high-profile peer institutions. Rarely have I seen the banking industry in such flux and uncertainty. How should banks respond?

Industry 389
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1Q 2024 Commercial Relationship Credit and Pricing Trends

South State Correspondent

Since our last update on pricing and credit HERE , commercial loan pricing trends for the first quarter of 2024 continue to be driven by the perceived increase in credit risk, tighter credit supply and banks’ need for wider margins. Commercial Real Estate Loan Credit Trends Using CoStar data, we arrive at the following analysis.

Trends 195
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Shifting Focus in Today’s Market: A Commercial Lender’s Guide

With today's market as it is, where should commercial lenders shift their focus? We know and understand commercial lending and commercial real estate, we know that in times like these, lenders can and should, shift focus.

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Commercial banks can benefit by transforming ops talent

Accenture

Well over a decade ago, I was fortunate enough to land a banking leadership role in commercial and corporate banking operations. When we… The post Commercial banks can benefit by transforming ops talent appeared first on Accenture Banking Blog. I immediately noticed two things that have stuck with me ever since.

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Commercial banking top trends in 2023

Accenture

The world of commercial banking faces uncertainty today. However, Accenture believes commercial banks have an opportunity to reinvent themselves and reposition for the future. The post Commercial banking top trends in 2023 appeared first on Accenture Banking Blog.

Trends 303
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A Comprehensive Guide to Construction Loan Issues for the Commercial Loan Market

Commercial construction is ramping up as developers pursue new business opportunities. After the recession of 2020, more people are turning to commercial lenders to fund new construction or renovations. Items of concern for construction lenders. Construction loan documentation protections for lenders.

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Top 10 Benefits of Automating Loan Modifications for Commercial Lenders

trillion in commercial debt maturing in the next 24 months with GoDocs' ModDocs® platform. Get ready for the wave of $1.2 Traditional loan modifications are slow, expensive, and prone to errors, which put lenders at risk.

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How to Choose the Best Automated Documentation System for Commercial Loans

The commercial lending space is booming as more developers take on projects, especially with the booming need for housing. Not all automated loan doc prep solutions are created equal. Learn what you should know so that you can make the best choice for your business. For lenders, this means an influx of loan applications and paperwork.

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Digital Commercial Lending Technology Case Study: Increasing Loan Volume and ROI

See how theLender, using transformative digital technology, grew their lending volume by orders of magnitude with an innovative approach to mortgage lending. Private lenders are working to keep loan costs down and offer a frictionless and affordable lending experience.

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Top 10 Benefits of Automating Closing Documents

In the fiercely competitive landscape of commercial lending, where FinTech's digital transformation initiatives take center stage, the complexities of loan documentation are constantly evolving. Innovative solutions are now essential to navigate this dynamic landscape and achieve success in the fast-paced world of commercial lending.

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A Modern Approach to C&I Lending: 8 Facts Lenders Need to Know

The commercial and industrial (C&I) lending sector has been undergoing a transformation in recent years thanks to technological advancements and changes in customer expectations. The traditional way of lending, where commercial lenders relied on manual attorney processes and legacy software solutions, is slowly becoming obsolete.

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Why Is CRE Lending Stuck in the Past? Top 3 Reasons for Digital Resistance

Commercial lending is on the verge of a resurgence, but traditional processes are an obstacle. Discover how GoDocs helps commercial lenders in the digital era with seamless integration and a borrower-focused approach. Discover why embracing automation and digital solutions is crucial for success in today's competitive landscape.

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The Lender's Guide to Automating Complex Loans

This comprehensive guide provides commercial lenders with key insights into automating small-balance, mid-market, and large-cap loan documentation with advanced technology. Check out the guide and get your custom ROI!