Coinfish Services for lenders, CDFIs & credit unions
Senior credit experience without a full-time hire. Practical help with growing a small-business lending program that performs.
90-day pilot
We start small and keep going only if it's working. The pilot takes about one day a week and produces four deliverables:
- A lending diagnostic with prioritized recommendations
- A credit policy update and underwriting templates (credit memo, documentation checklists, committee package)
- A pipeline and outreach plan for your institution's own lending program
- A staff training session on cash-flow analysis, structuring, and credit memos
Starting at $4,500/month for the pilot · Ongoing support starting at $6,500/month · Additional days $750
Ongoing services
Underwriting & Credit Policy
Loan policies, risk ratings, underwriting standards, and outsourced credit memos for $50K–$500K+ requests.
Portfolio Review
Independent loan review, watch-list and special-asset plans, and concentration analysis.
CECL Support
Methodology, segmentation, and qualitative factors, documented for auditors and examiners.
Program Build-Outs
SBA 7(a)/504 processes, contractor and construction lending programs, and alignment with CDFI Fund requirements.
Borrower Technical Assistance
Readiness coaching for your institution's applicants. This can often be funded with TA or capacity-building grants, and I'll help with the budget narrative.
Credit Memo Writing & Spreading
Financial spreading, cash-flow and DSCR analysis, and a drafted credit memo from the borrower's file. Your credit team keeps every decision.
Starting at $850 per deal
Credit Policy, SBA SOP & CECL Documentation
Written credit policy, SBA SOP checklists, and CECL methodology documentation, ready for your board and examiners.
Starting at $2,500 per policy project
Portfolio & Covenant Monitoring
Monthly tracking of covenants, financial statements due, and risk-rating triggers, with a short exceptions report.
Starting at $1,500/month
Interim / Fractional CCO
Part-time or interim Chief Credit Officer work, credit committee leadership, and exam prep.
My role is advisory. I don't refer or steer borrowers to your institution, and I am not compensated per loan. All credit decisions, approvals, and lending authority stay with your management, loan committee, and board.