Banking Consulting

Banking Services Overview

At Terrace Capital (“TC”), we are committed to providing the Banking sector with the best in commercial real estate capital markets expertise. We offer Correspondent lending programs and secondary marketing with both whole loan sales and participations being offered via our trading desk and a broad array of professional services offered through our advisory group.  TC specializes in working with community Banks, Savings & Loans and Credit Unions that need the ability to offer a broader range of commercial real estate loan products in order to better serve their clients and maintain their relationships in an ever increasing competitive market place. In addition to the customer service benefits we provide a new accretive revenue stream for our Banking clients.

Correspondent Philosophy
We believe that successful clients and successful Correspondents make a great company created upon a solid foundation of value.  TC’s Correspondent Program is built around generating significant leverage for our Banking Correspondents by providing the following benefits:

1. Providing the opportunity for Correspondents to have access to best in class real estate capital market expertise.
2. Facilitating mutually beneficial relationships with a joint client base that lead to improved customer service and satisfaction resulting in greater lifecycle value of new and existing relationships.
3. Creating new revenue channels and increased market share.
4. Creating competitive separation and advantage within the marketplace.

TC has nurtured its Correspondent relationships with extremely successful results by ensuring customer satisfaction and creating new business opportunities for its Correspondents. With the constancy of new market challenges, our objective is to provide Correspondents and their current and prospective borrowers with the keys to unlock the full potential of TC solution sets in order to achieve the highest possible business value.

TC is committed to training, promoting, and supporting its Banking Correspondents to achieve maximum customer satisfaction and to working in collaborative teams with its Correspondents over the entire life cycle of a borrower relationship before, during and after the loan has closed.

Asset Requirements: $5MM or greater.
Charter: Must be an Federal or State chartered Bank, S&L or Credit Union.  
Annual Origination Volume: Minimum of $3MM.
Origination Staff: Number and Qualifications sufficient to handle origination volume.
Good Standing: Must be of sound reputation and compliant with the appropriate regulatory bodies. 

Bank Benefits

TC is committed to helping its Correspondents maintain a competitive edge in today's marketplace. Our diversified capital markets offerings, underwriting services and infrastructure will generate efficiencies, create a competitive edge, and build borrower satisfaction and loyalty, and most importantly make a positive impact on the bottom line. Key elements of the all TC Correspondent programs are:

• An extended range of capital markets products and services not available through typical lenders.

              - 2 to 25 year fixed rate financing on occupied properties, including special purpose property types.

• Loan sale advisory services and a marketplace for buying and selling portfolios, whole loans and participations.
• Generate fee income from new permanent mortgage loan origination.
• Convert loan runoff to fee opportunities.
• Offset declining margins resulting from rising rates.
• Expand relationships with your borrowers by providing a permanent mortgage loan product they could otherwise obtain elsewhere.
• Efficiently manage commercial real estate concentrations (borrower, geographic, product type.
• Access to TC employees dedicated to your partnership that comprise best in class subject matter experts across a broad range of capital markets skill sets and core competencies.
• Training and marketing resources.