SuretyScore^sm 
SuretyScore^sm is a proven commercial risk rating worksheet. Instantly recognize the strengths and weakness of the credit and associated scores. Weighting and scores match regulatory definition. While any one category by itself does not determine risk, collectively all factors identify overall risk quatified by SuretyScore^sm. Credit Risk is the primary financial risk in the banking system.¹ A well-managed risk rating system properly differentiates risk and provides guidance for loan pricing. It allows management to assess credit quality, identify problem loans, monitor changes in risk and manage risk levels. IT also gives the Board of Directors, auditors, and regulators information they can use to evaluate the overall health of the commercial portfolio and the effectiveness of financial institution management.² Unlike consumer lending, commercial lending requires a good balance of facts and figures, intuition, and experience. SuretyScore^sm is the one tool that pulls it all together - facts, figures, stimulates good judgement, and forecasts performance. Schedule a Demo

^{1 Office of Comptoller of the Currency, Comptroller's Handbook, 2020'
2 NCUA Examiners Guide, 2020}

SuretyScore^sm  for Church Loans
SuretyScore^sm for Church Loans is a tested risk rating worksheet specifically designed to measure risk on Church loans. Underwriting Church loans is very different from underwriting commercial loans. Yet, commercial lenders tend to rely on risk rating models for business loans to determine risk for Church loans. SuretyScore^sm for Church loans uniquely analyzes components of organization quality, capacity, liquidity, collateral, and conditions. Schedule a Demo

Commercial Loan Review 
Commercial loan portfolios should be periodically examined by an outside, independent Reviewer to ensure compliance with Business Loan Policy, laws, rules, and regulations, and to assist financial institution in business loan portfolio management.  The scope of examinations include, but may not be limited to commercial loans booked since last review, watch list and poor performing business loans, withdrawn and denied business loan requests since last review, and interviews with Business Services staff.  Reviewer will provide a written report at the completion of each examination.   Contact Credit Risk Surety for a sample agreement and pricing.

Commercial Appraisal Review 
Business Loan Policies should have procedures for independent appraisal reviews to meet regulations. Credit Risk Surety, LLC can perform independent reviews monthly or periodically. A Commercial Appraisal Review form is completed on each appraisal reviewed. Contact Credit Risk Surety for a sample agreement and pricing.

Commercial Lending Policies and Practices 
A solid lending policy is the foundation of safe and sound lending. A simple, yet thorough policy of 12-15 pages is all that is needed to be compliant and effective. Practices begin with forms and questionnaires to gain the right information from the borrower. Loan review, appraisal review, financial review, collateral review, and problem loan practices support policy. Contact Credit Risk Surety for a sample agreement and pricing.

Business Services Training 
Board training and employee training are critical to the overall success of Business Services. Board training highlights Board responsibilities and understanding the content of Board reports. Employee training focuses on the general responsibility all staff have in representing your institution when questioned about Business Services. Business Services personnel receive specific training on conducting loan interviews, gathering the right information, underwriting dos and don’ts, loan documentation, the use of waivers, covenants, and cross-collateralization. Contact Credit Risk Surety for a sample agreement and pricing.

Strategic Planning (Organization wide – not specific to Business Services) 
Strategic planning is the process of matching strengths with desired outcomes, minimizing weaknesses that may prevent accomplishing results, identifying opportunities that may not have been possible before, and guarding against threats. Planning should include all levels of the organization and culminate with Board and Senior Management setting the course. Action items need to be tangible and have a timeline. Plans are produced annually with emphasis on financial goals for the next 12 months and a look ahead 3-5 years. Contact Credit Risk Surety for a sample agreement and pricing.