Commercial Products: Updating Origination & Servicing Costs
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7. Select Standard Set. From the Standard Set sub-options, choose the set relevant to the Product
and select Next. (Ex: Commercial Real Estate → Select Commercial Real Estate and SBA
Origination Channel Structure).
8. When prompted, apply a factor, if appropriate. Otherwise, leave factor at 100.0%. Select Finish.
9. Select Save.
Repeat this process for each Loan Product.
Pro Tips:
Additionally, you may want to consider:
• How your efficiency ratio compares to
the standard and make percentage
adjustments based on this.
• How your geography and labor costs
compare to Mid Atlantic/New England
and make percentage adjustment
accordingly.
• Consider the bank's commitment to a
new or fledgling Line of Business that
may not have scaled in volume. Use
the replace with function to adjust the
cost load appropriately for your efforts.
• Consider aligning balance stratifications
levels with your managerial approval
levels and policies.
