LOANS UNDERWRITING LLC Enhancing Value For Our Clients

WHO WE ARE Loans Underwriting LLC is a Georgia corporation We have been doing business since 2010 We bring together a team of seasoned credit analysts and underwriters with in-depth exposure to all aspects of commercial loan underwriting and loan review.

WHAT WE DO Provide commercial loan underwriting services to lenders of all types and sizes throughout US

HOW WE DO IT We provide our services remotely Clients or share loan documentation with us via Dropbox, OneDrive or equivalent We analyze and interpret the information provided by customers and give a feedback in form of a credit memorandum

WHAT WILL YOU BENEFIT FROM USING OUR SERVICES? Clog-free loan approvals No training needed Safety, confidentiality and security Payroll, hardware and software savings Cost effectiveness – outsource vs. in-house hire Unblotted staffing Phew, what a relief from this workload!!

WHAT WILL YOU GET FROM USING OUR SERVICES? (cont.) No staff retooling Zero down time Industry’s best underwriting practices Faster turnaround Enhanced loan productivity High quality loan portfolio Satisfied borrowers

WHAT WILL YOU GET FROM USING OUR SERVICES? (cont.) Optimum efficiency ratio Fixed costs conversion to variable costs 100% satisfaction guarantee

OUR COMPETITIVE ADVANTAGE Providing comprehensive service, all-round commercial loan underwriting experience for our clients that includes lending advice, product and market information Keeping close contact with clients and establishing a well-functioning long-term relationship with them to generate repeat business and achieve top notch reputation Applying superior skills and providing clients a plethora of loan analysis that allows them to produce superior quality loan portfolios and increased profitability at affordable cost.

OUR LOAN UNDERWRITING SERVICES  Analyzing and interpreting financial information to determine borrower’s capacity to borrow and service debt Spread financial statements/tax returns, generate UCA cash flow and financial ratios Spread personal financial statements Perform analysis of Debt Service, collateral, guarantor, credit report and bank statements Compute property NOI, DSCR and LTV ratios Identify risks and Risk-rate loans Structure loans Analyze bank statements and credit report

OUR LOAN UNDERWRITING SERVICES (cont.)  Writing credit memorandum and recommendations  Computing Allowance for loan and lease loss  Evaluating property as collateral “in abundance of caution”  Reviewing property appraisals for correctness  Reviewing loan performance  Discussing loan request, terms, and structure with customer

OUR LOAN UNDERWRITING SERVICES (cont.) Reviewing credit memos prepared by junior analysts Presenting credit memorandum to credit committees/ boards via phone or skype Preparing loan closing agendas Writing commitment letters Ordering property appraisals and/or environmental impact reports Liaising with loan closing attorneys Attending closing sessions within 200 miles radius of Atlanta, Georgia

OUR LOAN UNDERWRITING SERVICES (cont.) Coordinating loan drawdown Inspecting property within 200 miles radius of Atlanta, Georgia

HOW WE CAN SOLVE YOUR PROBLEMS If you have manpower issues - we are available at short notice If your underwriting team has skill gaps - we fit in seamlessly to review their work If your loan production does not require a fulltime underwriter - you only pay for work done

HOW WE CAN SOLVE YOUR PROBLEMS (cont.) If some commercial loans are too involving and/or complex, e.g. SBA, participation and business acquisition loans - taking unnecessary risks by trusting inexperienced staff with complex loans or engaging them months on end with daunting work is counterproductive. If you are a start-up lender - we will walk you through the complexities of business formation and streamlining the loan production process

HOW WE CAN SOLVE YOUR PROBLEMS (cont.) If you are diversifying your lending portfolio - unfamiliar loans can be daunting to the credit staff, particularly non-real estate loans. We do help lenders to develop loan criteria and underwriting standards of unfamiliar and challenging loans If you have high growth objectives - we offer underwriting backup to clear backlogs or to prevent them from occurring

Complete a quotation form online Receive our quotation via Confirm approval of quotation via We engagement contract to you for signature and return We agree on lending criteria and you send loan package via your preferred method We a signed non- disclosure agreement to you Shipping Methods: Fax Cloud Courier Post Office How It Works JOB DONE!! Credit Memorandum & Recommendation sent to you Loans Underwriting

HOW DO WE GET STARTED? Request for a quote here: us at OR call We you the quotation within 24 hours You us your approval of the quotation We you an engagement contract and a signed non-disclosure agreement You sign and return the engagement contract You us your lending criteria if you have one, otherwise we develop one for you

HOW DO WE GET STARTED? (cont.) If you are a startup, we write a business plan and a loan policy for you upon request You or share loan packages via Dropbox or OneDrive We analyze the information, prepare a credit memorandum with our recommendations and or share them with you via Dropbox or OneDrive You review, approve or deny the loan We assist you will closing procedure, if needed

CALL LOANS UNDERWRITING TODAY The ultimate loan underwriting Guru