A clearer path for maturing commercial real estate loans
For credit, special-assets, and lending staff at community and regional banks.
Many commercial real estate loans written when rates were low are now coming due. At today's rates, many can't refinance for the full balance. Each one lands on someone's desk as a decision: an extension, a modification, a sale of the loan, a sale of the property, or new investor money.
Making that decision well takes real work. Someone rebuilds the cash flow, updates the value, tests each option, writes the memo for committee, and documents it the way examiners expect.
Cat Bot Workout Desk is building a faster way to do that work. Every option is tested on the same numbers, and every figure shows where it comes from. Your people make every decision.
Two pages show what that looks like:
- The book. Commercial real estate at banks of similar size, from public filings. Where a typical bank stands, and how wide the range runs.
- One loan. A maturing multifamily loan worked through from start to finish: the situation, the options side by side, what would change the answer, a draft committee memo, and the package for the chosen path.
We're talking with banks about how they handle these loans today. If you'd like to compare notes, ask us to contact you.