Commercial Lending Outsourcing Services
Helping credit unions get the work done right.
Jovia Commercial Lending LLC is a Credit Union Service Organization created to help credit unions and community banks looking to expand into commercial lending. We understand that building your commercial lending program takes time and resources. Let Jovia’s experienced staff support your loan origination process, commercial underwriting, and annual credit review requirements while you focus on growing your portfolio.
Ready to learn more?
Complete the Request Form to be contacted by a Commercial Lending Specialist.
Take advantage of Jovia’s commercial lending experience and industry knowledge.
Get the work done with Jovia while staying on budget.
Accelerate your underwriting and credit review process with Jovia.
Our services include
Commercial Credit Underwriting Service
Underwriting and credit analysis of proposed loans to help you meet your loan origination and risk management goals.
• Loan structuring and pricing guidance
• Underwriting and credit analysis – borrower, guarantor, and collateral
• Review of banking and credit history, and third-party reports
• Recommendation of risk rating
Annual Credit Review Service
Annual review of the commercial loans in your portfolio to help meet credit risk management requirements for your commercial loan portfolio.
• Annual review of current financial and credit information
• Collateral analysis based on current market conditions
• Stress testing and covenant compliance analysis
• Recommendation of risk rating and portfolio management action
Commercial Loan Origination Service
We will review, structure, underwrite, and close the commercial loan lead you have generated for your institution in accordance with your loan policy, underwriting guidelines, and closing procedures.
• Prescreening of a loan request
• Preparation of a term sheet
• Underwriting and credit analysis
• Upon approval, preparation of a commitment letter
• Closing due diligence
The Loan Origination Service is currently provided for borrowers in NYC Metro Area only.