Commercial real estate

Crisil Integral IQ provides specialized credit and analytical support across CRE lending value chain, from prospecting and loan origination through portfolio management to loan maturity. Our team brings deep expertise in both on-balance-sheet lending and off-balance-sheet lending.

Our capabilities cover preliminary credit assessment as part of originations, detailed underwriting including property cash-flow analysis, third party report analysis, market & submarket analysis; borrower, sponsor & guarantor evaluations. Further, we also cover valuation assessment, loan structuring, annual reviews, portfolio surveillance and ongoing risk monitoring.

100%

Clients with CRE portfolios gained 70% operational efficiencies

100%

Quality assurance across credit reviews

Our solution components

We provide comprehensive property and sponsor underwriting, combining analysis of asset fundamentals, market dynamics, tenants and lease structures, and borrower strength to assess transaction and repayment risk.

We evaluate property cash flows and debt-servicing capacity through NOI, DSCR, LTV, debt-yield and occupancy analysis, supported by forward-looking projections and sensitivity testing.

We support construction and development credit assessments through project-feasibility reviews, budget and funding analysis, draw monitoring, lease-up evaluation and assessment of completion and cost-overrun risks.

We provide ongoing collateral oversight through appraisal reviews, valuation tracking, LTV monitoring and cap-rate sensitivity analysis to identify emerging collateral and valuation risks.

We help lenders identify emerging CRE risks through maturity and refinancing analysis, covenant and watchlist monitoring, concentration assessment and surveillance of criticised assets.

We deliver portfolio-level analytics across property types, geographies, maturities, borrowers and tenants, incorporating concentration analysis, risk migration, stress testing and sensitivity analysis to identify emerging vulnerabilities.

The problems we solve

Research

Turning fragmented exposures into a portfolio-wide risk view

Overview

Providing visibility across property types, geographies, sponsors, maturities and risk ratings helps identify concentrations and emerging pockets of risk across the portfolio.

Identifying refinancing risk before maturity

Overview

Monitoring maturities, refinancing exposure and market conditions helps lenders identify borrowers and assets that may face refinancing challenges before they become critical.

Keeping collateral assessments current

Overview

Monitoring changes in valuations, NOI, occupancy and other property fundamentals between formal appraisal cycles enables lenders to maintain an up-to-date view of collateral quality.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Commercial real estate

Property and borrower underwriting

Financial analysis

Construction and development lending

Valuation and collateral monitoring

Portfolio surveillance

Portfolio analytics

Discover why the world's most prestigious global and regional financial institutions chose us as their strategic partner

Businesses

Businesses

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Our Organisation

Investor Relations

Newsroom

More from Crisil

Our Organisation

Investor Relations

Newsroom

Discover why the world's most prestigious
global and regional financial institutions
chose us as their strategic partner