Sabal Financial utilizes a unique approach for each of its services, delivering customized solutions for each client and each situation.
Bank Credit Advisory
Sabal Financial’s Bank Credit Advisory practice serves its clients with a tiered-evaluation approach that creates interim and final deliverables to provide early “go/no go” determinations, price negotiations and final-stage estimates of expected loss within the loan portfolio.
|Off-site due diligence||On-site due diligence|
|P&P Review for All, Loan Underwriting Risk Rating||Confirmatory Loan Review|
|Loan Data Tape Analysis & Testing||Probability of Default Drivers|
|All Methodology and Adequacy Review||Identify Loss Given Default Drivers|
Sabal Financial’s Commercial Advisors performs underwriting and re-underwriting services for originators, loan buyers, CMBS investors including b-piece buyers, warehouse lenders, and balance sheet lenders and investors.
We provide clients with a single source solution for national coverage, regional expertise and centralized quality control resulting in consistent end product. Sabal Financial Commercial Advisors’ industry-recognized leaders are supported by underwriters strategically located throughout the country.
Customized loan underwriting services include:
- Historical and proforma cash flow analysis
- Site inspections
- Market analysis
- Sale comparable analysis
- Lease comparable analysis
- Tenant analysis
- Borrower analysis
- Third party reports review
- Identifying strengths and weaknesses and making recommendations to mitigate the perceived risks
- Periodic review and loan performance analysis for balance sheet lenders
Third Party Servicing
Sabal Financial Third Party Servicing offers a comprehensive platform for the efficient servicing of large portfolios with a core focus on risk management and the maximization of repayment of returns for CMBS lenders, banks, funds and insurance companies operating nationwide.
Sabal Financial’s services include the servicing of performing loan assets and the special servicing of non-performing loans in varying degrees of default. Sabal Financial’s robust servicing offering is bolstered by a technology-rich platform recognized for providing efficiency and scalability in the servicing of loan portfolios of all sizes.
Sabal Financial Third Party Servicing also offers construction loan administration services, providing a high-level of risk management from start to finish. The process begins with a comprehensive document and cost review process, followed by construction and budget monitoring. Disbursement risk administration includes lien searches, title updates and reporting.