Contact Tom at 239-261-2627
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White Horse Financial

Consulting services for your business

Whitehorse Financial's Commercial Underwriting Group provides a broad range of loan product knowledge combined with a depth of lending expertise earned from over 27 years of commercial banking experience in credit underwriting, origination and collection/workout. Our specialized services include:

L
oan/Credit Underwriting - We provide our clients with a qualitative and quantitative analysis of the capacity, sustainability and predictability of debt repayment and collection. Our underwriting additionally generates a recommended structure for the transaction complete with proposed terms, conditions and pricing/yield analysis. This disciplined process is keenly focused on providing an underwriting product that clearly identifies and mitigates risks to conform with our client's tolerance levels and profitability objectives.

C
redit Resolution Management - Consultative services geared toward optimizing our client's credit profile to successfully secure new debt, refinance loans, and resolve or recapitalize existing underperforming loans. Our approach promotes the current and projected economic and competitive capacity of our client while developing a structure that satisfies institutional risk parameters.

Distressed Debt Acquisition and Management - Complete deal sourcing, underwriting, negotiation and asset management, resolution and disposition services for individual loan and/or portfolio purchases of distressed loans and OREO. Over the last two years we have closed 5 negotiated (non-bid) portfolio trades totaling over $150MM, with a specific emphasis on the under served community bank market.
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