Abacus Credit Analytics

Providing lenders with objective, cogent and high-quality commercial loan underwriting and portfolio analysis services.

Loan Underwriting
Leverage our commercial C&I and commercial real estate underwriting experience to enhance your credit approval memo process.
Document Review
Let us provide independent and objective review of approval documents for compliance with internal policies and sound underwriting practices.
Asset Quality Analysis
Use your loan portfolio data to unlock credit quality trends, identify embedded or emerging risks and identify negative trends.
Policies and Procedures
Assist lenders in creating policies and procedures designed to withstand effective challenge from internal and external parties.

Why Partner With Us ?

Founded in 2014, Abacus Credit Analytics partners with Lenders to improve the commercial loan approval process and enhance a Lender’s understanding of the risks within their loan portfolios.


We provide our services in a professional manner to instill confidence in Lenders that they can rely upon our recommendations and guidance with a shared goal of understanding and managing risks within a defined risk profile.


The resultant partnership with Lenders is built for the long-term to address the ever changing landscape of credit risk.

The Team

With over 20 years of experience in banking and commercial finance, Dale gets excited by data, spreadsheets, round numbers, Liverpool Football Club and World War I

Dale Owen
Dale Owen
Founder & Principal Analyst

By The Numbers

Loans Underwritten
Years Experience
HP-12c Calculator Lost

Latest Posts

Check out our latest posts on industry trends, regulatory highlights and case studies developed from recent engagements.
COVID-19 Loans

Integrate or Innovate?

Many state and local governments as well as private entities have turned to CDFIs to administrate COVID-19 loans.  The CARES Act gave states wide latitude to establish funds to assist …

Allowance Model

Bend Don’t Break

The economic impact of the current healthcare driven crisis is obvious when one looks at the most recent economic data.  What isn’t obvious, however, is how the current crisis will …


COVID-19 and The New Normal

The last 7 days have been quite unlike anything we’ve ever faced during our years in banking.  We understood the why and the how of the Great Recession twelve years …