Credit Solutions for

Banks & Credit Unions

A loan’s story doesn’t end at approval. Payment patterns shift, covenants come due, collateral values change, and borrower circumstances evolve, all amid a changing economy – each capable of affecting an institution’s assessment of risk.

Alter Domus supports banks and credit unions across the credit lifecycle:

  • Allowance modeling
  • Commercial loan servicing
  • Special asset servicing
  • Forecasting, stress testing, and analytics
  • Commercial underwriting and loan administration

Our teams and technology can support:

  • Commercial Real Estate (CRE)
  • SBA and Government-guaranteed
  • Commercial & Industrial (C&I)
  • Asset-based Lending (ABL)

Each stage adds context to the institution’s risk assessment of not just a loan, but the full portfolio. When that information is connected, the credit team can track how its assessment of risk evolves from origination through maturity.

Origination

Set a clear baseline for the borrower, loan structure and initial risk assessment.

Administration & Servicing

Manage payments, covenants, documentation and collateral information.

Monitor & Review

Leverage a single source of truth to give CFOs, CCOs, and CROs a continuous, data-driven view of portfolio health, credit quality, and emerging risk, through ongoing credit review, loan-level analysis, and advanced analytics  enabling smarter decisions and uncovering opportunities across the loan lifecycle.

Measure & Forecast

Assess what changes in credit quality could mean for expected losses, provision, earnings and capital.

Manage & Resolve

Dedicated expertise to manage and resolve distressed or non-performing loans, minimizing credit losses and protecting portfolio value through proactive workout strategies and structured recovery solutions.

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.
  • Single source of truth: Ensures credit decisions are based on consistent, accurate, and current information.
  • Eliminates data silos: Connects underwriting, loan administration, servicing, allowance, stress testing, analytics, credit review, and special asset servicing.
  • Identifies risk earlier: Signals such as delinquencies or deteriorating borrower financials flow directly into allowance and stress-testing models.
  • Enables faster responses: Gives banks and credit unions a dynamic, real-time view of credit quality, capital adequacy, and potential losses.
  • Strengthens governance: Embeds controls, audit trails, and model transparency throughout the credit lifecycle.
  • Supports compliance: Reduces errors and enables examiner-ready reporting at any point in time.
  • Governance: This integrated approach strengthens governance and regulatory compliance by embedding controls, audit trails and transparency across every stage of the credit lifecycle.
  • For Chief Financial Officers and Chief Accounting Officers: Understand what is driving allowance changes, compare economic scenarios, and consider potential macroeconomic effects on provision, earnings, and capital. Documented analysis can also support internal review and governance.
  • For Chief Credit Officers: Examine risk-rating migration, concentrations, and changes in credit quality. Use those findings to prioritize further review, adjust monitoring, inform strategic growth or consider early intervention.
  • For Chief Risk Officers: Have a consolidated, governed view of risk across the portfolio, connecting allowance modeling, stress testing, analytics and credit review.

Banks can outsource or supplement selected functions, including underwriting, credit administration, loan servicing, collateral monitoring, construction draw administration, independent loan review, and special asset servicing. 

Independent loan review assesses credit quality and risk ratings across a portfolio. It can identify migration, criticized or classified credits, documentation exceptions, and broader trends for management and board consideration.

A bank can model how portfolio performance may change under different economic scenarios, using relevant loan data, risk classifications, and documented assumptions. Alter Domus’ Analytics Platform supports scenario-based stress testing, and related portfolio analysis including measures of impact on earnings and capital.

ALLL+ supports allowance for credit losses analysis, including CECL, ECL, and IFRS 9 methodologies, economic scenario analysis, attribution, back-testing, and reporting.

Jason Sheller

United States

Head of Commercial, North America

Rosemary McCollin headshot

Rosemary McCollin

United Kingdom

Head of Commercial, EMEA

Lie Ming Or

Hong Kong

Head of Commercial, APAC