Defending High-Risk Commercial Credit Facilities to Underwriters
Credit committees reject commercial loan applications when debt service coverage ratios look tight. Here is how relationship managers structure compensating factors.
Amit KasliwalCEO & Founder, Dehurdle
February 10, 20254 min read
The Credit Mitigant Pitch Script
Recommended Spoken Script
"While the borrower's DSCR is 1.18x against our standard 1.25x threshold, they hold $3.5M in unencumbered real estate collateral and have maintained zero late payments over 7 years. We are requiring a personal guarantor and a 6-month debt service reserve account, providing complete loss protection for the bank."
The 2-Minute Practice Drill
2-Minute Spoken Drill
The 2-Minute Practice Drill
Practice credit committee presentations in Dehurdle.