Our Services | CRE Loan Origination & Portfolio Oversight

Commercial Real Estate Credit Risk Experts

We specialize in Commercial Real Estate loan underwriting and portfolio credit risk management for lenders who need precision, speed, and full regulatory compliance. From loan origination to portfolio oversight, our services streamline approvals, reduce internal overhead, and mitigate credit risk.

Partner with a trusted team chosen by 25+ lenders and responsible for over $2B in closed transactions.

Why Lenders Choose Gemstone Credit Solutions

Proven Results

Over $2 billion in loan closings and $6 billion in CRE portfolio management experience.

Expert, Efficient, Reliable

Decades of underwriting and credit risk experience with 25+ credit unions and lenders.

Cost-Saving Partnership

Our outsourced model reduces internal staffing needs while increasing deal volume and accuracy.

Commercial Real Estate Lending Support Services

Loan Underwriting & Due Diligence

We deliver thorough CRE loan underwriting and due diligence to ensure every loan request is sound and compliant. This includes clear loan structure analysis, identifying risks and mitigants, detailed cash flow reviews, and validating projections for accuracy.

Portfolio Credit Risk Management

Our portfolio management service provides ongoing monitoring of CRE loans, tracking loan pipelines, conducting periodic reviews, ensuring policy compliance, and maintaining accurate risk ratings aligned with lender and regulatory standards.

Stress Testing & Risk Rating

We perform stress tests and lease analyses to assess potential risks under varied scenarios. Our team documents findings meticulously and assigns risk ratings that reflect lender policies and regulatory requirements.

Guarantor / Sponsor Evaluation

We evaluate guarantors and sponsors by reviewing their backgrounds, financial strength, liquidity, and credit reports. Our process verifies ownership and guarantee structures to accurately assess loan support.

Policy Compliance & Document Review

Ensuring loan compliance, we verify lien perfection and review all collateral documents, loan covenants, financial reporting, and entity paperwork to meet lender policy and regulatory standards.

Secure Data Handling

Protecting sensitive data is a priority. We maintain confidentiality agreements, conduct regular audits, and use secure, time-limited, read-only environments with two-factor authentication for all client information transfers.

Why Lenders Choose Gemstone Credit Solutions Inc.

Client-Focused and Scalable

Our model empowers lenders to operate more efficiently by allowing due diligence costs to be passed directly to borrowers. This structure helps our clients scale without increasing internal overhead—making our services not just effective, but cost-neutral.

Speed Without Sacrificing Quality

We know time kills deals. That’s why we’re structured for responsiveness and quick turnarounds—ensuring your lending opportunities stay on track and move forward without bottlenecks.

Direct Access to Experts

With no unnecessary hierarchy, we keep communication direct and decision-making agile. You’ll work with seasoned professionals from day one—offering consistency, clarity, and fast answers when you need them most.

Credit Memos That Lenders Actually Use

Our credit memorandums are built for action—not for volume. They’re data-rich, policy-aligned, and free from unnecessary jargon—giving credit committees exactly what they need to make informed decisions quickly.

What Our Clients Are Saying

"Partnering with Gemstone has been a game-changer for our credit union. We were able to substantially reduce our payroll overhead and eliminate the costs of benefits and training. Their efficient process and two-week turnaround on credit memorandums have dramatically improved our workflow, allowing us to focus on our core business while they handle the detailed underwriting with expert precision."

"Gemstone's team provides a level of expertise that's simply unparalleled. We came to them with a series of highly complex loan structures, and their analysis was thorough, detailed, and clear. They don't just process loans; they truly manage credit risk. The quality of their due diligence and creative analysis presentations has given us the confidence to close on transactions we might have otherwise passed on."

Our Commercial Loan Underwriting Services

Portfolio Review & Risk Assessment

Get a clear picture of your portfolio's health. We'll conduct a thorough review to identify potential risks, optimize performance, and help you make informed strategic decisions. Our in-depth analysis provides the insights you need to manage your assets effectively and respond proactively to market changes.

Credit Risk Management & Commercial Real Estate Underwriting

We provide expert analysis and support for your commercial real estate deals. Our team ensures that every transaction is underwritten with precision, aligning with regulatory guidelines and your business objectives. From initial assessment to final approval, we work to identify and mitigate risk, helping you build a sound and compliant portfolio.

Training for Credit Risk Management

Empower your team with the expertise to navigate the complexities of commercial real estate lending. Our training programs are specifically designed for lenders and credit unions who want to ensure their staff can adequately and properly underwrite commercial real estate loans in accordance with regulatory guidelines.