Commercial Loan Resources
Commercial lending has higher risk due to its size and complexity; it also requires expertise that’s costly to acquire. However, it also offers significant opportunities – when combined with solid underwriting and overhead expense management – to grow profitability.
Resources for Current Partners
Fillable Forms
Closing Document Worksheet
Appraisal Order Form
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Our Services
Servion Commercial Loan Resources is a strategic partner for financial institutions in search of assistance in any area of business lending. Our services can be tailored to fit the unique needs of your institution – from facilitating growth to simplifying your commercial lending business.
Portfolio Servicing
Portfolio Servicing
- We're a leading commercial loan servicer for community FIs
- Full or tailored to fit your needs
- Portfolio management and monitoring
- Critical tracking systems for your collateral
Closing
Closing
- Loan documentation preparation
- In-house title services
- Post-closing quality control
Loan Underwriting
Loan Underwriting
- Risk assessment to gain insight into credit quality
- Identify and recommend proper loan structure
- Highly experienced team of underwriters
Collateral Solutions
Collateral Solutions
- Commercial appraisal reviews and evaluations
- Environmental reviews on Phase I and II environmental site assessments.
- Third-party vendor engagement for commercial appraisals, Phase I/II ESAs, flood, and others.
Additional Services
Additional Services
- Loan policy review and development
- Migration assistance from ALLL to CECL
- Portfolio auditing
- And much more
Expertise
The Importance of Collateral Review in Commercial Lending
Chief Credit Officer Tony Lillie and Collateral Solutions Manager Janet Nelson explain why collateral review is such an important step in commercial real estate lending.
Learn MoreOur Blog | Jan 19, 2024
Advantages of SBA Lending When Buying Commercial Real Estate
SBA lending offers significant advantages for commercial real estate (CRE) purchases. The SBA 7a program allows business owners to put as little as 0% down on projects, making it more financially feasible than conventional loans. Banks commonly provide 90% SBA financing, leveraging the 75% SBA guaranty to lower their risk. In case of default, the SBA's guaranty minimizes the financial institution's risk, resulting in a more favorable return on investment than conventional loans. This benefits borrowers by making CRE purchases more viable and retaining working capital for business growth. Overall, SBA lending combines reduced down payments with enhanced risk management for both borrowers and financial institutions.
Our Blog | Jan 03, 2024
The Importance of SBA Lending in the Current Banking Environment
Unlock the potential of SBA lending with Total SBA, your trusted Lender Service Provider. Leverage the government-backed 75% guarantee, capitalize on liquidity advantages, manage interest rate sensitivity, and enhance risk mitigation. Discover how SBA loans positively impact your CAMELS rating.
Our Blog | Dec 14, 2023
SBA Loans: Lowering Risk & Increasing Profitability
Leverage SBA loans to refinance existing debts, support business growth, and minimize risk. Convert challenges into opportunities with flexible financing solutions.
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