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  • Posted in: RMA Member Forum

    Question: Good Afternoon! I am interested in knowing if your bank requires DTI calculations to be performed on personal guarantors for commercial loan transactions. If so, do you consider a high DTI ratio a policy exception or is the ratio for informational...

  • Posted in: RMA Member Forum

    Jennifer, Our bank is roughly of $400 million asset size. Each of our lender's have individual authority up to a certain limit based on experience with the Chief Lender having authority up to and including $350K aggregate exposure to the bank so he...

  • Posted in: RMA Member Forum

    Good Morning, the DTI calculation is required per the banks loan policy but it not cited as a loan policy exception. The max DTI is 45% pre-tax and 65% after taxes. ------------------------------ Lashikia Lynch AVP/Loan Operations Supervisor First...

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