Loans > Loan Screens > Commercial Loans Screen Group > Property Management Screen

Commercial Loans screens in CIM GOLD are used to handle your institution's property management needs for commercial loans. Use this tab to view and edit appraisal and Brokers Price Opinion (BPO) information about the commercial loan property (as well as view basic loan information).

Loans > Commercial Loans > Property Management Screen, Appraisal/BPO/Other Tab

The Loan Appraisal fields (mnemonic LNAPAM/LNAPRS) display the original appraisal Amount and Date for the commercial loan as set when the loan was created.

Use the Property Appraisal fields (mnemonic PZAPA2/PZAPD2) to indicate the most recent appraisal Amount and Date for the commercial loan property.

Use the two BPO field groups (#1 and #2) to indicate two Amounts and Dates for BPO valuations on the commercial loan property. BPO refers to the probable sales price of the property based on an "as is" value with a 120-day marketing time (mnemonic PZ1BPV/PZ1BPD/PZ2BPV/PZ2BPD).

The fields in the Loan Information field group on the right side of this tab display basic information about the loan. This information is as follows:

Field	Description
Date Opened Mnemonic: LNOPND	The date the loan was opened or funded.
Maturity Date Mnemonic: LNMATD	The date the last payment is due and the loan should be paid off.
Original/Principal Balance Mnemonic: LNOBAL/LNPBAL	The balance of the loan when it was opened (Original) and the current balance of the loan (Principal). The principal balance of the loan can only be changed by teller transactions.
Original/Current LTV Mnemonic: W2LTV1/LNCLVR	The Original and Current LTV (loan-to-value) ratio of the property. Loan-to-value is the amount of debt as compared to the value of the property. A higher LTV ratio means higher leverage and greater risk. LTV is calculated by dividing the loan amount by the appraised value (or selling price, whichever is less) of the property.
Next Payment Due On CCYY/MM/DD Mnemonic: PMTDUE	The next date a payment is due on the loan.
P/I Constant Mnemonic: LNPICN	The portion of the regular payment that is divided between amount to interest and amount to principal.
Annual Payments Mnemonic: N/A	The total amount of annual payments on the loan (principal and interest multiplied by 12, then divided by the frequency).

Appraisal/BPO/Other tab

Appraisal/BPO/Other tab