For bankers

Working with a Former Wall Street Banker Has Its Privileges.

What Bankers are Saying:

“Thank you for the updates that you are sending out on this deal. It is a nice value-add to your clients, even though they may never know it.” – Vectra Bank Colorado

“I can’t thank you enough on behalf of the bank, and me personally, for all of your assistance with the loan closing. All of you at CMAC have been a sincere pleasure to work with, and I will always fondly remember this experience together.” James Sheridan, SVP, Lending Officer – Texas Bank and Trust

OUR PROCESS

SELECTION

SELECTION

TIME

TIME

RESPONSIVENESS

RESPONSIVENESS

FEEDBACK

FEEDBACK

TRUST

TRUST

EMPOWERMENT

EMPOWERMENT

ONE SHOT!

ONE SHOT!

EASE OF UNDERWRITING

EASE OF UNDERWRITING

COLLABORATION

COLLABORATION

SELECTION

  • If you are chosen by the borrower and CMAC as one of the select lenders to bid on the financing of one of our clients, you can expect to receive a Request for Proposal (RFP) and Executive Summary describing the opportunity. You will also be granted access to financial information that will be needed for underwriting.

  • TIME

  • Every deal will have different time constraints depending on the particular situation. CMAC’s RFP will always be stamped with a ‘Requested Response Date’. Under usual circumstances, CMAC provides approximately 3 weeks for you to make a credit decision and provide an indicative term sheet (not a commitment letter at this stage). If the timeframe in the RFP proves to be problematic; communicate with us and we will do our best to accommodate.

  • RESPONSIVENESS

  • We try to provide you with the majority of the pertinent information needed for underwriting. However, questions inevitably arise. During the RFP phase, we ask that you communicate all questions to CMAC and we will do our best to answer them. If we receive questions not so easily answered, we will seek responses directly from the borrower. We strive to work with you to expedite underwriting and avoid hold-ups.

  • FEEDBACK

  • Once we receive indicative term sheets from the banks, we schedule time with the borrower to review the proposals. CMAC will present your proposal and provide you with the feedback we receive regarding decisions and/or desired next steps. The borrower typically elects to personally meet with their preferred lender(s) and we will subsequently seek full approval and assist with managing the closing process.

  • TRUST

  • CMAC will never share the terms of another bank’s proposal with a competing bank. In fact, we also have our Clients sign a Confidentiality Agreement that confirms their adherence to that same policy.

  • EMPOWERMENT

  • CMAC does share terms of proposals that have been submitted by the same bank but from different market areas. This allows the local banker to know the best that its bank can do and helps the bank to be more competitive within its own market.

  • ONE SHOT!

  • No second chances. No using a proposal from one bank to get an improved proposal from a second bank. It doesn’t happen. CMAC prides itself on the fact that the RFP process is handled equitably and ethically for all banks involved. Each bank is provided with one opportunity to provide the best “shot” – for pricing and structure. There are no “last looks” by the incumbent lender or any other bidding bank.

  • EASE OF UNDERWRITING

  • As a banker, we underwrite before the RFP ever goes out. The primary goal of CMAC’s RFP and Executive Summary is to make underwriting easier for our banking partners. We will gather and organize key financial information and assemble a narrative that will make the opportunity quite easy to digest. Most importantly, we will test the ratios and cash flows and make sure that what is being requested makes sense.

  • COLLABORATION

  • CMAC closes hundreds of millions of dollars of medical real estate financing every year all around the country. We know we would not be half as successful for our clients if we did not have strong banking partnerships. We truly value the relationships we build with our banking partners and once we have had the chance to successfully collaborate, you can expect to hear from us repeatedly with more opportunities.