Interested to understand how institutions are identifying and using delivery channels as it relates to risk management. For example, do you have an enterprise-wide delivery channel taxonomy? Do you specifically assess compliance and/or operational risks ...

Good morning - we are looking to get some feedback around when Banks obtain updated Beneficial Ownership forms, outside of origination or as part of any re-documenting of loans. For example is this part of anyone's annual review/renewal process, etc. ...

The factory statements have a lot of important details the tax returns do not, so I have always used the 13th month statements. Yes, the denominator includes all interest for the DSCR calculation (remember to add it back to the cash flow in the numerator). ...