Portfolio monitoring on real SBA 7(a) commercial-loan data — industry and state concentration (HHI, top-N), charge-off rates, vintage cohort curves, loan-age transitions, and early-warning watchlists.

Commercial borrower financial statement analysis repo for standardised financials, ratio diagnostics, and working-capital metrics used in both structured credit assessment and practical lending decisioning.

CIT Group was a US financial holding company providing commercial financing, equipment leasing, factoring, and middle-market banking services. CIT was acquired by First Citizens BancShares in January 2022 and has been integrated into First Citizens Bank as the Commercial Banking division.