Borrower Credit Underwriting for Lenders

Fernandes & Company provides independent borrower credit underwriting for CRE lenders and loan brokers: third-party reports assessing borrower strength and risk, delivered per file in 24–48 hours. Your committee gets the independent read it wants on every file — without hiring, training, or carrying an underwriter between deals.

The Deliverable

What does a borrower credit underwriting report cover?

Borrower strength and risk, assessed independently: PFS and SREO analysis, liquidity and net worth verification, track record, contingent liabilities, global cash flow, and the red flags that threaten repayment — packaged in a consistent format your committee learns to read fast.

Report

Credit File Analysis

PFS, SREO, liquidity, net worth, contingent liabilities, and global cash flow — tied out and verified, not just restated.

In Every Report
Report

Sponsor Track Record Read

The borrower's history evaluated by someone who has been the borrower — 250+ transactions closed as a principal. We know where files hide problems.

In Every Report
Format

Committee-Ready Packaging

On F&Co letterhead as independent third-party work, or white-labeled on yours. Consistent structure, every file.

Your Choice
The Math

Per-file underwriting vs. the empty seat.

An in-house underwriter carries salary, benefits, and a hiring cycle — and sits idle when volume dips. Per-file credit underwriting substitutes per deal: you pay when a file comes in, volume spikes are covered, and slow months cost nothing. Flat fee per file, volume pricing for recurring flow.

Also for Loan Brokers

Package borrowers lenders say yes to.

Loan brokers use the same product in reverse: an independent credit read that strengthens the borrower package before it reaches the lender — surfacing and fixing the flags that would otherwise kill the file in committee.

FAQ

Borrower credit underwriting, answered.

Borrower strength and risk: PFS and SREO analysis, liquidity and net worth verification, track record, contingent liabilities, global cash flow, and the red flags that threaten repayment — in a consistent, committee-ready format.

24–48 hours for most files once the borrower package is received. Volume arrangements keep recurring file flow on the same clock.

Yes — a third-party work product delivered on Fernandes & Company letterhead, or white-labeled on yours. Either way the analysis is independent of origination pressure.

Per-file engagement means you pay only when a file comes in — volume spikes covered, slow months cost nothing, no hiring or training cycle. Flat fee per file with volume pricing.

Get Started

Want to see the work first?

Ask for a redacted sample credit memo — you'll know in five minutes whether the depth matches your committee's standard.

Schedule a Consultation

No commitment. No pressure. Just a straight conversation.