Texas · Commercial Credit

Texas Credit Advisory

Underwriting depth. Asset quality. Special assets. Texas.

Brad Miller · Austin, TX

Underwriting depth

Banks often clear an exam that looks acceptable while commercial underwriting stays thin — especially missing rate and collateral sensitivities. That’s a credit problem with a scoped fix: look under the hood on a sample, hand you a fix list and a reusable sensitivity template.

Special assets — without locking headcount

It’s rarely smart to hire full-time special assets people unless the bank has a habit of making bad loans. Things still happen. Clean it up. Don’t lock capital in permanent headcount.

Term or project special assets coverage: triage, action plans, workout structure, board-ready status — then exit when the book is back under control.

Ways to engage

Credit deep dive 2–6 weeks. Sample underwriting + heat map + fix list. Quote after a short scope call.

Term / fractional credit 6–24 months. Underwriting standards, credit admin, special assets — without a forever seat.

Special assets sprint Focused cleanup with clear exit criteria. You’re done when the fire is out.

What you get

Sample underwriting critique vs policy and examiner expectations
Rate and collateral sensitivity template lenders can reuse
Credit administration / file-quality gaps in plain English
Special assets action plans and board-ready status
Walkthrough with CEO / CCO / credit committee

Background

20+ years commercial credit · CLO & co-founder, Lexicon Bank (de novo) · SVP commercial banking · senior special assets leadership · Wells Fargo Credit Management Training · Texas DOB Credit Review Specialist. Independent advisor — not speaking for any regulator. Texas-focused.

Next step

30-minute scoping call. Underwriting pain, special assets load, what “done” looks like.