Risk Rating Methodologies

Our expert team will provide you with guidance throughout the process, ensuring that you comprehend your risk exposure. Leveraging our extensive knowledge and experience in banking and the SBA industry, as well as our direct collaboration with numerous CDCSs, we empower you to make well-informed decisions and effectively mitigate risks. Trust us to assist you in optimizing your Risk Ratings and ultimately achieving your business objectives..

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CDC Risk Ratings

Each CDC has its own unique approach to Risk Ratings; the specific characteristics of your business and the collective experience of your CDC will determine how you assess the risk of your new and existing customers. It is crucial to have a thorough understanding of the risk profile and ensure its accuracy and reliability. We are here to assist you in confirming and refining your Risk Rating Process, as well as providing support with your Risk Rating Templates.

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Evaluate Your Process

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Improved Risk Profiles

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Better Decisions

Evaluate Your Process

Let Morrissey Metcalfe and Associates evaluate your Risk Rating Policies using real-life examples to validate and suggest improvements where needed.

Loan Underwriting and Processing Support for CDCs

Our Approach

Scope

Before anything begins, we make sure we understand what your Risk Ratings process is and what gaps are to be explored.




Risk Rating Philosophy

Let's understand where you were, where you are and where you want to be with respect to your Risk Rating Philosophy.


Our team will help you vet this out and create quantifable and qualitative templates that will assist your CDC in every Risk Rating decision with all of your prospects and customers.

Risk Rating Templates

The heart of the matter.  When you're assessing Risk Ratings for your new and exisitng customer, the proof is in the consistency of your templates.


We provide you with either brand new templates and or modificications to your old ones based on your scope and risk philosophy.  Our goal is for you and your colleagues to always have an accurate  reflective individual risk rating for everyone of you commerical clients and a collective overall rating profile of your entire client base.

CDCs Often Ask Us...

  • Our Risk Rating templates has been around for years - but they are inconsistent at best? Help?

    Risk Ratings, and generally risk is a subjective concept.  No one CDC has the same Risk Rating templates.  We're here to help you achieve more accuracy and consistency moving forward.

  • We only use qualitative measures. Is that bad?

    It all depends.  Some people have tremendous lending experience which help them accurately evaluate commerical clients and loans.  


    However, issues can arise where new employees of your business won't have that experience and they'll need more guidance from the templates.

  • We only use quantitative measures. Is that bad?

    A great Risk Rating system uses both qualitative and quantitative system of templates.


    Understanding the ratios and appointing risk rating characteristics is vital, but so is knowing your clients well. Both are highly relevant.