COMMERCIAL REAL ESTATE UNDERWRITING & PORTFOLIO MANAGEMENT
Unparalleled Credit Expertise
We provide thorough underwriting and portfolio management for all your CRE loans.
Streamline Your Operations
Our services reduce your closing times and improve your overall efficiency ratios.
Strategic Partnership for Growth
We act as an extension of your team, eliminating payroll and employee-related expenses.
GO BEYOND LOAN ORIGINATION AUTOMATION WITH THESE SOLUTIONS
Clearly identifying loan purpose, structure, terms, and the transaction’s overall strengths and weaknesses.
Our service provides a rigorous analysis and summary of every loan request. We go beyond the surface to clearly identify and document all critical elements, including the loan’s purpose, obligors, ownership structure, interest rates, and specific terms and covenants. Our detailed approach ensures that all strengths and weaknesses of the proposed transaction are transparently outlined, providing lenders with a clear and comprehensive understanding of the entire loan proposal before moving forward.
Managing and mitigating all policy exceptions with proper documentation and clear justification.
We specialize in identifying, documenting, and mitigating all policy exceptions that arise during the underwriting process. Our team ensures that any deviation from your standard loan policy is fully transparent and accompanied by a detailed justification and a plan for risk mitigation. This rigorous process allows lenders to make informed decisions on a case-by-case basis while maintaining the integrity and soundness of their overall lending practices.
Ensuring full compliance with all financial reporting and loan covenants throughout the process.
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Guaranteeing your collateral is protected through the proper recording of all legal documents.
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Verifying adequate repayment sources through meticulous property-level and global DSCR cash flow analysis.
Our detailed financial analysis verifies that there are adequate sources of repayment for every loan. We conduct thorough property-level (Primary) and global DSCR cash flow analyses to accurately assess the borrower’s ability to service the debt. All of our findings are properly documented and any potential risks are mitigated, giving lenders a clear picture of the repayment capacity.
Scrutinizing financial projections and assumptions to ensure they are reasonable and mitigated.
Providing accurate risk ratings that align with internal policies and regulatory agency definitions.
Our team ensures that all loan risk ratings are appropriate and assigned accurately. We follow a precise and consistent practice that is in full accordance with the lender’s internal credit policy and all relevant regulatory agency definitions. This guarantees that your risk ratings are reliable and that your portfolio accurately reflects its risk profile.
Assessing the creditworthiness of all guarantors and sponsors with a deep-dive due diligence.
We conduct extensive due diligence on all guarantors and sponsors to assess their creditworthiness. This includes a thorough review of their professional backgrounds, supporting cash flows, liquidity, net worth, and credit bureau reports. We also properly document beneficial ownership and the specific terms of any full or less-than-full guarantees, ensuring all associated credit risks are adequately mitigated.
Performing detailed stress tests and lease analysis to evaluate a property’s resilience.
We provide detailed stress testing and lease analysis as a core part of our underwriting process. This service involves running various scenarios to determine how a property would perform under different market conditions. The analysis of lease agreements and their terms is properly documented and any risks identified through stress testing are clearly mitigated, providing a robust view of the loan’s resilience.
The Blueprint for Smarter CRE Lending Together
Streamlined Underwriting for Rapid Decisions
Our efficient process and expert team deliver a prompt two-week turnaround on credit approval memorandums. We help you reduce deal closing times and substantially cut payroll overhead for your organization, all without compromising on the depth or quality of analysis required for complex loans.
Cut Credit Risk with Unparalleled Expertise
Leveraging over a decade of experience, we provide a detailed yet concise credit risk analysis that adequately outlines all risks and presents clear mitigants. Our diligent approach ensures every loan is rigorously vetted to safeguard your portfolio and maintain full adherence to your credit policy.
A Complete Suite of CRE
Loan Services
Loan Services
From initial loan origination and meticulous underwriting to proactive portfolio management, we offer a full spectrum of services. We act as an extension of your team, providing the in-house expertise you need to handle complex loan structures and help you increase your profitability and loan closings.
About Gemstone Credit Solutions Inc.
At Gemstone Credit Solutions Inc., we offer expert Commercial Real Estate (CRE) loan origination underwriting and portfolio management services. With over a decade of experience, we partner with credit unions and banks to provide high-quality, prompt credit analysis for various property types.
We help lenders who need in-house expertise without the overhead, ensuring sound loan decisions, policy adherence, and effective risk mitigation. Our commitment is to deliver timely, detailed, yet concise credit risk analysis—often with a 2-week turnaround—while significantly reducing our clients’ payroll and operational costs. We’re a trusted partner, boosting profitability and accelerating loan closings across the nation.
What Our Clients Are Saying
FAQs
What services does Gemstone Credit Solutions Inc. provide?
We offer a comprehensive suite of commercial real estate services, including loan origination, thorough underwriting, and proactive portfolio management. Our expertise covers a range of property types, such as multifamily, retail, mixed-use, medical office, industrial, and special purpose properties.
What is the typical turnaround time for your loan analysis?
We are committed to promptness and efficiency. In most cases, we provide a two-week turnaround for the submission of credit approval memorandum deliverables. Our high-quality analysis and communication rates are designed to accelerate your loan closing times.
What are the key benefits of working with Gemstone Credit Solutions Inc.?
By partnering with us, lenders can substantially reduce overhead costs associated with in-house employees, including payroll, benefits, and training. We act as an extension of your team, providing the specialized expertise needed to handle complex loan structures, improve efficiency ratios, and increase your profitability and loan closings.
Feel Free To Contact Us!
Phone Number:
Location Address:
California, United States
Email Address:
businessrequests247@gmail.com
