Supervisors Symposium - December 2023

Internal Use Only There are numerous collateral types to utilize for Portfolio Stratification . . .

Management is encouraged to stratify the portfolio by: • Property Type • Geographic Market • Tenant Concentrations • Tenant Industries • Developer Concentrations • Risk Ratings • Other  Loan structure (fixed or variable)

And the property types are numerous: • Multi ‐ family (5 and more units) • Mixed Use Residential • Investor 1 ‐ 4 Family Residential • Strip Retail • Retail (1 to 3 Units) • Mixed Use Commercial • Self ‐ Storage Center • Industrial

• Warehouse • Golf Course • Gas Station and Auto • Hotel • Restaurant • Medical • Office • Senior Citizen Housing • Other Commercial • Construction

 Loan purpose (construction, short term or perm)  LTV  DSC  Policy exceptions  Affiliated loans

 Vintage  Balance

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© 2023 –FinPro, Inc.

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Internal Use Only

Formerly booming areas like San Francisco and Austin Texas are struggling with high office vacancy rates, while smaller metro areas such as Wilmington, NC and Savannah, GA are seeing less impact. . .

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© 2023 –FinPro, Inc.

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