AI-powered underwriting automation insights for commercial lenders.https://aloan.aihttps://aloan.ai/blog/community-bank-technology-adoption-trends-2026https://aloan.ai/blog/community-bank-technology-adoption-trends-2026Where community banks are putting tech budget in 2026: adoption by asset tier, lending and deposit stacks, examiner-ready AI, and two 2027 inflection points.Fri, 22 May 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/future-of-commercial-underwriting-technologyhttps://aloan.ai/blog/future-of-commercial-underwriting-technologyThree macro shifts and five 2026-2028 predictions for commercial underwriting technology. From extraction to reasoning, add-on to embedded, origination to portfolio.Fri, 15 May 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/automating-global-cash-flow-analysishttps://aloan.ai/blog/automating-global-cash-flow-analysisHow lenders trace K-1 income through tiered LLC ownership, avoid double-counting distributions, and automate global cash flow with citations.Fri, 24 Apr 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/how-small-banks-compete-on-turnaround-timehttps://aloan.ai/blog/how-small-banks-compete-on-turnaround-timeHow small banks compete with large banks on loan turnaround time by fixing manual spreading, memo prep, and credit round-trips without weakening credit discipline.Fri, 24 Apr 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/occ-bulletin-2026-13-ai-underwriting-community-bankshttps://aloan.ai/blog/occ-bulletin-2026-13-ai-underwriting-community-banksOCC Bulletin 2026-13 does not create AI-specific underwriting rules, but it changes how community banks should classify, validate, and govern vendor models.Mon, 20 Apr 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/what-examiners-ask-about-ai-lendinghttps://aloan.ai/blog/what-examiners-ask-about-ai-lendingThe 5 AI lending questions examiners actually ask, what weak answers sound like, and what good governance looks like in practice.Sat, 11 Apr 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/analysts-using-chatgpt-loan-fileshttps://aloan.ai/blog/analysts-using-chatgpt-loan-filesYour best analysts are pasting borrower tax returns into ChatGPT. The problem is not the analysts. The problem is that your institution has no governance around the AI tools already in use.Sat, 04 Apr 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/ai-data-security-commercial-lendinghttps://aloan.ai/blog/ai-data-security-commercial-lendingA practical walkthrough of how AI processes bank loan data, what the real risks are, and what controls matter - from the infrastructure layer to the examiner conversation.Fri, 03 Apr 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/stop-ripping-and-replacing-your-loshttps://aloan.ai/blog/stop-ripping-and-replacing-your-losThe AI landscape is moving too fast for 18-month rip-and-replace projects. Banks that win will layer intelligence with existing systems—so upgrades are seamless, not disruptive.Wed, 18 Mar 2026 00:00:00 GMTmitch@aloan.ai (Mitch Barnard)https://aloan.ai/blog/underwriting-problem-nobody-talks-abouthttps://aloan.ai/blog/underwriting-problem-nobody-talks-aboutLegacy LOS vendors bolt on AI features while their users route around the problem with ChatGPT. The real solution requires software built for a world where AI exists.Tue, 17 Mar 2026 00:00:00 GMTtim@aloan.ai (Tim Diamond)https://aloan.ai/blog/tax-return-spreading-commercial-loanshttps://aloan.ai/blog/tax-return-spreading-commercial-loansTax return spreading is one of the most time-consuming steps in commercial loan underwriting. Learn how the process works, why it's a bottleneck, and how AI automation is changing it.Tue, 10 Mar 2026 00:00:00 GMThello@aloan.ai (Gerrit Yntema)https://aloan.ai/blog/dscr-underwriting-guidehttps://aloan.ai/blog/dscr-underwriting-guideHow to calculate DSCR for a commercial real estate loan, step by step: the formula, NOI build, the 1.20x minimum most lenders require, stress tests, and a worked global cash flow example.Thu, 26 Feb 2026 00:00:00 GMTtim@aloan.ai (Tim Diamond)https://aloan.ai/blog/cascading-ownership-llcshttps://aloan.ai/blog/cascading-ownership-llcsWhen your best borrowers are also your most complex, the spreadsheet becomes the bottleneck — not the credit. Multi-entity deals get killed by process, not risk.Wed, 18 Feb 2026 00:00:00 GMTmitch@aloan.ai (Mitch Barnard)https://aloan.ai/blog/can-we-get-this-prioritized-for-q2https://aloan.ai/blog/can-we-get-this-prioritized-for-q2Why headcount is no longer an advantage — it's a liability nobody's marked to market. A CTO's case for why small teams with AI are eating large organizations.Mon, 16 Feb 2026 00:00:00 GMTtim@aloan.ai (Tim Diamond)https://aloan.ai/blog/audited-financial-noteshttps://aloan.ai/blog/audited-financial-notesAudited financials tell two stories. The ratios give you the summary. The footnotes tell you what actually happened. Most underwriters only read one of them.Sat, 14 Feb 2026 00:00:00 GMTmitch@aloan.ai (Mitch Barnard)https://aloan.ai/blog/commercial-lending-information-logisticshttps://aloan.ai/blog/commercial-lending-information-logisticsWhy commercial loan decisions take weeks instead of minutes—and what happens when you treat underwriting as an infrastructure challenge, not an intelligence problem.Tue, 11 Feb 2025 00:00:00 GMTtim@aloan.ai (Tim Diamond)