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    Properly managed risk is a competitive advantage.

    Comprised of experienced credit analysts and other seasoned underwriting professionals, our team provides thorough, comprehensive credit and risk management services through a variety of flexible arrangements. Whether you require these services on part of a defined segment or the totality of your portfolio, Cortland can deliver them as a standalone solution or as part of a broader engagement.

     

    • Construction Management Support and Covenant Monitoring

      Our team is divided into two servicing disciplines: construction draw request monitoring, and covenant testing and monitoring. Services offered include everything from facilitating and assimilating the information necessary for the project to performing an independent analysis of information required to confirm the validity or compliance of certain covenants or other performance metrics deemed necessary by the creditor.
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    • Covenant Compliance

      We improve business confidence amid complexity with our team, which is divided into two servicing disciplines: construction draw request monitoring, and covenant testing and monitoring.
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    • Credit and Risk Management

      Comprised of experienced asset managers, credit analysts and other seasoned underwriting professionals, our team provides thorough, comprehensive credit and risk management services through a variety of flexible arrangements. Whether you need a standalone solution, a la carte as part of a broader engagement or a one-off as part of a defined segment or totality of a client’s portfolio, Cortland can deliver.
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    • Credit Due Diligence and Analysis

      To evaluate and indicate the credit quality of the borrower(s), principal and/or guarantors, Cortland’s credit analysts perform comprehensive due diligence that assists clients in making credit decisions prior to loan origination. Our credit memorandum leverages client-provided financial statements and history to measure borrower creditworthiness through point-in-time and trend analysis, allowing you to conduct business with confidence and peace of mind.
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    • Credit Reviews

      Cortland is a top provider of Credit Review & Monitoring Services. Whether you need annual, semi-annual, quarterly or more frequent reviews, Cortland will assign a commercial credit analyst to evaluate and provide an indication of the post-closing credit quality of the borrower, principals, and/or guarantors.
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    • Special Asset Management Support & Workout

      Includes daily management of non- or under-performing assets and the development and implementation of acceptable and achievable resolution strategies. In addition, we offer assistance with the evaluation, disposition or management of other real estate owned (OREO), equipment and inventory or other collateral acquired through a workout or litigation process.
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    Please contact us if you have any questions about our Credit Services related offerings.

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