CRE 360Advisory
Credit & Lender Support

Independent Control Across the Loan Lifecycle.

Every loan looks clean at origination.

The model balances. The valuation supports it. The borrower is confident.

But credit risk doesn’t show up all at once. It shows up in stages — in assumptions that don’t hold, in scope that was underestimated, in construction that drifts, in assets that quietly underperform.

By the time it’s visible, it’s usually expensive.

We integrate into the lending process to identify and control those risks early — providing independent validation at each stage of the loan lifecycle.

Not more reports. Clear inputs that support real credit decisions.

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The Loan Lifecycle

Where we step in — and what we test.

Credit risk shows up in stages. Our work mirrors that — providing independent validation at each point where the next decision matters most.

Stage 01

Origination & Underwriting

Where the deal is approved — and where risk is first introduced

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At origination, everything is presented in its best form. The numbers work. The narrative holds.

Our role is to step outside that narrative and test it. We review the deal the way credit should:

  • Does the rent assumption reflect the actual market — or just the pro forma?
  • Are operating expenses grounded in reality — or understated to make returns work?
  • Is the exit aligned with current market conditions — or dependent on optimism?
  • Are there site or entitlement risks that haven't surfaced yet?
  • Does the proposed capex match what the asset actually needs?
We provide independent validation across:
  • BPO / BOV (residential and commercial)
  • Income and rent assumptions
  • Expense structure and operating logic
  • Exit cap and valuation alignment
  • Collateral-level risk flags
  • Capex exposure and construction assumptions

Should we make this loan — or are we underwriting risk we don't see yet?

Stage 02

Pre-Closing Validation

Where capital is about to move — and mistakes become harder to fix

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Between approval and funding, the deal tightens. Scope gets finalized. Budgets get locked. Timelines get compressed.

This is where misalignment hides. We review the project at the point where capital is about to be deployed:

  • Does the plan match the budget?
  • Is the scope complete — or are key elements missing?
  • Are costs realistic for this market and asset type?
  • Is the contractor aligned with the scope and timeline?
  • Are there gaps that will surface only after funding?
Our work focuses on:
  • Plan and specification review (PSCR-level)
  • Budget and cost validation
  • Scope completeness and alignment
  • Contractor and execution readiness

Are we comfortable funding this — or are we locking in avoidable risk?

Stage 03

Construction & Draw Monitoring

Where capital is deployed — and control matters most

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Once construction begins, risk shifts from assumptions to execution. Draws are approved. Money moves. But progress isn't always what it appears.

We provide independent visibility into how capital is actually being used:

  • Does the draw reflect real progress — or just reported progress?
  • Is the remaining budget aligned with what's left to complete?
  • Are timelines slipping in ways that affect cost or exposure?
  • Are early signs of overrun or delay being missed?
We support lenders with:
  • Draw request review
  • Progress verification against scope and budget
  • Cost-to-complete alignment
  • Schedule and milestone tracking

Is the money being deployed correctly — and are we still in control of the outcome?

Stage 04

Asset Monitoring & Risk

Where loans perform quietly — or begin to drift

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Not all problems are visible during construction. Some show up after stabilization: performance that softens, condition issues that weren't addressed, assumptions that no longer hold.

We provide periodic, targeted insight into asset-level risk:

  • Property condition observations
  • Site-level risk flags
  • Performance vs original expectations (high-level)
Our role:
  • We're not managing the asset.
  • We're identifying early signs that matter.

Is this asset performing as expected — or beginning to drift?

Stage 05

Special Assets & Recovery

When the deal is under stress — and decisions matter most

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When a loan moves into distress, the focus changes: from projection to position, from upside to recovery.

At this stage, clarity matters more than anything. We support lenders with an independent view of where they stand:

  • What is the real condition of the collateral?
  • What is it worth today — not at underwriting?
  • What paths exist: restructure, reposition, or exit?
  • Where is risk still hidden?
Our role:
  • Define the reality of the situation — so the next move is informed, not reactive.

How do we protect position — and recover value from here?

Stage 06

Disposition Support

Where the loan exits — and value is realized

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At exit, the question becomes simple: What is this asset worth today — and how do we position it?

  • Updated BPO / BOV
  • Market positioning insight
  • Sale-readiness considerations
Our role:
  • Not as brokers — but as an independent view of how the asset will be received in the market.

What is the most defensible path to exit?

How We Work

A reliable extension of your credit process.

Once we start working with you, we think long-term relationship. Every lender has a different process. We align with it.

Most engagements start with a quick call to understand the deal, where it sits in your pipeline, and what needs a second look.

From there, we define a clear scope and step in where it adds value — whether that’s a single input or ongoing support across multiple deals.

  • Cutting-edge project management software

The goal is simple: be a reliable extension of your credit process, not another layer around it.

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Have a deal that needs an independent view?

If you have a deal, asset, or situation that needs an independent view, reach out. We'll start with a short conversation to understand what you're working through and how we can support it. From there, we'll define scope, timing, and next steps — aligned with how your team operates.

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