Loan Screen Initial Asset Profile (IAP) Credit Committee Memo (CCM)
Preliminary Evaluation




_________________
100%
Detailed Review


_________________
25%
Formal Evaluation
(shown to memeber banks)
_________________
10%
Loans Approved
_________________
5%
 
Loans rejected due to creditworthiness of borrower, capital structure, covenants, industry, recent bankruptcy, headline risk Loans rejected due to financial performance, customer / supplier concentrations, competitve positioning, low recovery value, cyclicality, not having clear lien on assets Loans rejected due to commodity / regulatory / legislative risks that can't be mitigated, loan structure, execution risk, business valuation, courses of exit Only 5% of all loans evaluated by AlliancePartners have recommended to the BancAlliance members

Our Credit Approach

  • Underwriting Approach

    Loans are sourced through multiple channels and then subject to a rigorous underwriting process.

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  • Selectivity Metrics

    Approximately 10% of loans screened on behalf of BancAlliance will make it through the underwriting .

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  • Sample Loan Opportunities

    Look at two loans funded by BancAlliance members in 2012 .

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