Risk Scoring You Can Defend to Committee.

Risk Assessment is the engine that scores every CRE deal across five dimensions, credit, market, property, borrower, and structural, with every score backed by cited evidence pulled from the deal file, Document Intelligence, Policy Intelligence, and Market Intelligence. Your committee discusses traceable data instead of gut feelings; your examiner gets a defensible methodology for every rating; your risk ratings stay consistent across every deal and every analyst on the team. Built on a SOC 2 Type II certified platform and used by both community and regional banks and CRE private credit teams.

Each deal is scored independently on credit, market, property, borrower, and structural risk. Credit Risk looks at borrower financials and repayment capacity. Market Risk analyzes submarket conditions. Property Risk evaluates physical condition and environmental factors. Borrower Risk assesses sponsor track record and entity structure. Structural Risk reviews loan terms, covenants, and recourse. Each dimension has its own score and its own cited evidence.

Yes. Every score cites the specific data points that produced it, so when an OCC examiner asks “why did you rate this a 71 on market risk?”, the answer is documented and traceable. The same applies to private credit investment committees and LP due diligence: the methodology is transparent, auditable, and produces consistent ratings across every deal your team underwrites.

The five-dimensional risk profile auto-populates your credit memo with examiner-ready detail. Every rating is exported with its cited evidence, so the memo your analyst presents to committee is already defensible before they add a single line of commentary. Community banks use this to accelerate loan approval cycles; private credit teams use it to speed credit memos to investment committees.

Yes. The five dimensions are standard, but the weights, thresholds, and specific inputs within each dimension are configured to your institution’s credit policy, risk appetite, and portfolio strategy. Banks typically align weights to their risk rating policy; private credit funds align to their fund mandate. Our team works with your credit leadership during onboarding to make the framework yours.

LenderBox is SOC 2 Type II certified with comprehensive security and audit controls. For banks, Risk Assessment is designed to support OCC risk rating expectations, interagency guidance on CRE lending, and examiner standards for model risk management (SR 11-7). For private credit funds, it meets the due diligence, audit trail, and data security standards institutional LPs expect. Full documentation is available for vendor risk assessment.

LenderBox uses transparent pay-as-you-go pricing with a one-time activation fee that is credited toward your usage. No long-term contracts, no hidden fees. Most community and regional banks go live in as few as two weeks; CRE private credit teams typically move faster. Onboarding includes configuring the five-dimensional weights, thresholds, and inputs to your institution’s risk rating policy or fund mandate, then validating the methodology with your credit leadership and (for banks) your model risk function under SR 11-7. Pricing scales with portfolio size and deal volume, book a demo for a scoped quote.

Internal risk rating models live in spreadsheets or LOS workflows like nCino, Abrigo, or Baker Hill and depend on analysts rekeying data from documents into scoring templates, with no citation trail back to source. Other CRE platforms like Blooma or Smart Capital Center offer deal scoring but stop at the rating and leave the full audit trail, policy linkage, and committee-ready memo to your team. LenderBox Risk Assessment is the only engine that scores across five dimensions, with every score cited to Document Intelligence, Policy Intelligence, and Market Intelligence evidence, and connects directly to credit memo generation on the same SOC 2 Type II platform. The result: consistent ratings across every analyst, a defensible methodology your examiner or investment committee can trace line by line, and zero rekeying.