Management Support & Consulting

DFTC offers a variety of support and consulting services including but not limited to:

Commercial Loan Assistance

DFTC commercial lending assistance offers clients daily access to its seasoned commercial lending professionals via email, telephone, or video meetings to support the client’s commercial lending program. Think of us as being that seasoned commercial lending veteran on your team without the salary costs that accompany such experience. Whether you need help brainstorming through a deal, structuring a loan, or creating a new loan product, you can simply contract with DFTC for a minimum of 6 hours per quarter and DFTC will be there to assist with your commercial lending needs.

DFTC offers a multitude of commercial credit professional development courses to educate and develop your team. DFTC can conduct classes in person or by utilizing remote delivery platforms with a live instructor. DFTC provides a wide range of commercial credit training courses designed to develop your team’s expertise. Training is available in person or via live remote delivery. With a proven track record, DFTC trains state and federal regulators, partners with America’s Credit Unions to deliver the CU Business Lending Professional Program Certification School, and financial institutions to present programs for loan examiners, employees, and board members.

DFTC provides highly adaptable training solutions that can be tailored to meet the specific needs of financial institutions, regulatory bodies, and professional organizations—whether the goal is to educate loan examiners, enhance board oversight capabilities, or support staff development through targeted certification programs and hands-on learning experiences.

Commercial Loan Policy Development

DFTC offers collaborative support in developing fully compliant
loan policies, working closely with your institution to understand
its unique operational structure, regulatory environment, and
strategic goals—ensuring that the resulting policy not only meets
all applicable state and federal requirements but also aligns with
your internal risk management framework and long-term lending
objectives.

Commercial Loan Portfolio Stress Testing

DFTC provides robust commercial loan portfolio stress testing designed to help financial institutions proactively manage risk and maintain portfolio resilience in dynamic market conditions. Our stress testing process involves a thorough analysis of your portfolio’s exposure to key variables, including interest rates, vacancy rates, and capitalization rates, and evaluates their potential impact on critical metrics such as Loan-to-Value (LTV) and Debt Service Coverage Ratio (DSCR). Through this approach, we identify how these factors could affect repayment capacity, collateral values, and overall portfolio performance. By partnering with DFTC, your organization gains access to industry-leading expertise and tools to ensure prudent portfolio management and regulatory compliance.

DFTC’s analysis provides actionable insights, enabling your institution to:

  • Quantify the portfolio’s ability to withstand economic shocks and market volatility.
  • Pinpoint vulnerabilities and concentrations of risk within the portfolio.
  • Update capital planning and risk mitigation strategies.
  • Satisfy regulatory expectations for stress testing and risk management.

Loan Accommodations and Workouts

DFTC offers comprehensive support for financial institutions facing complex lending challenges. Our team of seasoned professionals assists clients in managing difficult loans by providing expert guidance in loan structuring, navigating the intricacies of loan accommodations, and facilitating effective loan workout solutions. We work closely with your organization to assess borrower circumstances, develop prudent restructuring strategies, and implement tailored solutions that balance the interests of both the institution and the borrower.

Our approach includes a thorough review of financial conditions, collateral valuations, and repayment capacity to ensure that each accommodation or workout arrangement is designed to maximize recovery potential while supporting long-term borrower success. Whether your institution requires assistance with short-term accommodation or more complex long-term workouts involving restructuring and alternative financing terms, DFTC delivers actionable recommendations and robust servicing strategies to help you achieve optimal outcomes.

Are you looking to create or start a Business Lending Department?

DFTC can simplify your business lending operations by leveraging our team’s
extensive experience in building and strengthening both new and established
Business Lending Departments.

DFTC can assist you to do the following:

  • Establish underwriting guidelines as part of the overall strategy of your institution.
  • Create customized loan presentations and loan reports for senior management.
  • Design appropriate job descriptions for business lending positions.
  • Implement risk rating system protocols for underwriting compliance with regulations.
  • Collaborate with the Board and senior leaders to resolve compliance issues.

Let us Help You

More than 300 financial institutions have trusted us to strengthen their programs and services and improve their profitability. Talk to us to see how our services can meet your organization's needs.

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