Managing Commercial Loan Portfolios For Lenders
Term loans, lines of credit, equipment financing, and more– the sheer volume of data can quickly overwhelm even the most experienced teams, especially when that data is fragmented across systems or dependent on manual processes.
Without real-time access to borrower financials, lenders are often forced to rely on outdated documents or incomplete information. This lack of transparency can delay decision-making, obscure early warning signs, and increase exposure to default risk. When a borrower’s tax status changes or a new liability emerges, servicing teams may not find out until it’s too late, jeopardizing not just the individual loan, but the health of the entire portfolio.
From underwriting to ongoing servicing, commercial portfolios demand constant attention. Teams spend countless hours chasing documents, verifying tax returns, and manually updating records. These tasks are both time-consuming and error-prone. In a competitive lending environment, slow or inaccurate processes can cost lenders valuable opportunities and erode borrower trust.
Finally, compliance looms large. Regulatory requirements around tax verification, borrower monitoring, and portfolio reporting are strict, and failure to meet them can result in penalties or reputational damage.
How TOD Can Help
TOD is built to scale with your lending operations, delivering accurate tax data while decreasing overhead or personnel hours.
When it comes to managing large commercial portfolios, TOD helps with:
Real-Time Visibility Across Complex Borrower Structures
In commercial portfolios, a single borrower may be tied to multiple entities or loans. When a new tax liability appears, it may affect not just one loan, but several.
TOD’s system allows lenders to search and filter by taxpayer, business name, or loan officer, making it easy to identify connections and assess portfolio-wide impact. This is especially critical when managing layered ownership structures or borrowers with multiple commercial obligations.
TOD can also be integrated with lenders’ existing systems, making the process of gathering information efficient and seamless.
Automated Alerts for Portfolio-Wide Risk Monitoring
- New tax liabilities
- IRS authorization failures
- Access issues with client’s Centralized Authorization File (CAF)
- Changes in transcript access status
These alerts allow servicing teams to act before issues escalate, whether that means reaching out to a borrower, adjusting risk ratings, or preparing for potential restructuring. In large portfolios, this kind of proactive insight is the difference between managing risk and reacting to it.
Operational Efficiency at Scale
Instead, TOD handles:
- Transcript requests and retrieval
- Secure storage and organization
This frees up underwriting and servicing teams to focus on strategic tasks, not administrative ones. For institutions managing thousands of loans, TOD can save hundreds of hours per week, without compromising accuracy or compliance.
Portfolio Organization That Supports Strategic Decision-Making
This makes it easier to:
- Identify trends across industries
- Flag high-risk borrower groups
- Prepare for audits or internal reviews
In large commercial portfolios, where data is vast and interconnected, this level of organization is essential for informed decision-making.
Improved Borrower Experience Without Sacrificing Oversight
With TOD, lenders can access up to three years of future transcript data from the IRS with a single signed form, eliminating the need for repeated outreach. This improves borrower satisfaction while maintaining full visibility into financial health.
Large commercial portfolios are inherently complex, filled with interconnected borrowers, evolving financial profiles, and high expectations for both performance and compliance. Traditional tools and manual processes simply can’t keep up with the pace and precision required to manage them effectively.
By delivering real-time tax data, automated alerts, and intuitive portfolio organization, TOD gives lenders the visibility and control they need to manage risk, streamline operations, and scale with confidence.
TOD effectively transforms how lenders oversee their most valuable and vulnerable assets. For institutions managing large commercial portfolios, TOD is a necessity.
Interested in learning more about how TOD can enhance your institution’s operations?
Contact our partnership team today to learn more about how TOD can help both lenders and borrowers become more efficient, accurate, and trustworthy.