Services
Engagements are scoped to the file in front of you — a single deal, a renewal season, or ongoing overflow capacity. Below is the work most banks bring to ICR first.
Full underwriting support on new originations — commercial, CRE, and agricultural — built to the standard your credit committee expects and your examiners will accept. ICR analyzes the borrower, structures the credit, and delivers a write-up your loan officers can present with confidence.
This is the core of the work: the same analysis a seasoned in-house underwriter would produce, available for the deals your current team doesn't have the hours to reach.
Business and personal tax returns, financial statements, and personal financial statements spread accurately and consistently, so every file in your portfolio is built on the same footing. This is detail work that examiners check closely and that eats hours your team rarely has to spare.
For borrowers with multiple entities, pass-through income, and overlapping guarantors, ICR builds a global cash flow picture that reflects true repayment capacity — not just what one entity's return shows on its own.
Keeping existing credit files current — covenant tracking, annual reviews, and renewal packages — so a maturing loan is never a scramble against the calendar. ICR can carry a piece of your existing portfolio on an ongoing basis, or step in for a defined renewal season.
When your pipeline outpaces your staff — a busy season, an open req, an unexpected departure — ICR provides extra underwriting hands for exactly as long as you need them, then steps back.
Most banks start with a small, defined piece of work — a couple of deals, a single renewal cycle — before deciding whether to expand the relationship. There's no minimum commitment and no long onboarding. ICR works from the same source documents your team already collects, and delivers files in the format your credit committee already uses.
Discuss a deal or a pipeline →