Credit Solutions for Banks & Credit Unions

Services for Banks & Credit Unions

Services:

How this helps:

Commercial Loan Underwriting

Add capacity with CRE, C&I, ABL, SBA and government guaranteed loan underwriting.
Support can include commercial credit analysis, credit memo preparation and risk rating at origination or renewal, aligned with your institution’s credit policy.

Meet changes in lending demand without having to build permanent capacity for every peak in the pipeline.

Credit Administration & Commercial Loan Servicing

Keep the work behind commercial lending moving, from post-closing documentation and covenant tracking to payment processing, borrowing base administration and collateral monitoring.
Alter Domus provides servicing and administration of CRE, C&I, SBA and government-guaranteed, and ABL loans.

Let lending teams spend more time on borrowers and originations while experienced teams handle demanding loan operations.

Independent Loan Review

Independent loan review assesses credit quality, risk ratings, portfolio trends and document exceptions across CRE, C&I, government guaranteed and ABL credits.

Give credit leadership an independent basis for identifying emerging credit risk allowing management to determine where closer attention is warranted.

Allowance for Credit Losses

Alter Domus’ ALLL+ platform supports CECL, IFRS 9 and ECL with SOC compliant, transparent, allowance estimation and forecasting, with reporting and documentation to support review and governance.
Banks and Credit Unions use ALLL+ to model and calculate their loss reserves by forecasting lifetime expected losses across their loan portfolios using historical data, economic forecasts, and qualitative adjustments.
Anonymized consortium data dating back to 2006 supports CECL compliance by delivering LGD estimates, transition matrices, and point-in-time PD time series. It also enables targeted suitability analysis by region, sector, or collateral type and fills gaps for clients with limited default or loss history.

The platform streamlines regulatory compliance by automating the generation of allowance estimates, audit trails, and reporting outputs required by US and international regulatory and accounting authorities.
Support allowance analysis with loan-level data, economic scenarios, multiple methodologies, attribution and back-testing.

Stress Testing, Portfolio Analytics and Forecasting

The Alter Domus analytics platform uses AI and machine learning to deliver an end-to-end multi-period stress testing, portfolio analytics, and forecasting solution across all asset classes.
It supports multiple stressed scenarios with outputs including capital ratios, loss rates, charge-offs, and provision impact, all driven by machine learning and macro-economic regression models.
The platform operates from a single data source, integrating seamlessly with CECL processes and providing real-time portfolio insights for faster, more informed credit risk decisions.

The Alter Domus analytics platform helps banks and credit unions forecast capital ratios, model credit losses, and evaluate financial exposure across stressed and baseline scenarios, supporting both regulatory compliance and strategic decision-making.
It reduces operational complexity by consolidating credit modeling, stress testing, and CECL processes into a single, SOC-compliant platform with embedded controls, audit trails, and governance frameworks.

Special Asset Servicing

When a loan needs more attention than routine servicing can provide, dedicated support can help your team manage criticized, classified, and non-performing commercial loans.
Services include workout strategy, loan modification and forbearance administration, bankruptcy monitoring, REO support, and recovery analysis.

Give complex or deteriorating loans focused workout attention while your institution retains control of its credit decisions.

Credit Solutions for