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Portfolio Surveillance Terms

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Clues indicated asnwers with more than one word.
Enter answers without spaces
Across
Annual net operating income divided by value of property (2 words)
Statement listing personal assets & liabilities (3 words)
Specified in the CMHC COI and Loan Agreement (2 words)
A formal pledge or promise to do something
Time over which the mortgage balance would be paid in full
Financial Statement w/ Revenue, Expenses & Net Income (2 words)
? = Net operating income/total debt service
Reports adjustments made to the Borrower’s actual operating statement to “normalize” or “annualize” the performance data
Down
Used to analyze the performance and financial health of a company (2 words)
Measures how well a company generates cash (2 words)
Returned payment
Failure to repay a debt including interest or principal on a loan or security
Debt, wages payable & dividends payable
Sum of money kept aside for some future obligation
Loans identified for monitoring
Risk assessment
Cash required to cover repayment of interest and principal on a debt (3 words)
Financial Statement w/ Assets, Liabilities & Owners Equity (2 words)
agreement of terms of loan policies between a borrower and lender (2words)
Summary document of tenant leases (2 words)
Earned from the sale of products and services
Cash and equivalents, accounts receivable & Inventory
Property level report comparing Borrowers current financial information to the preceding 3 periods and underwriting
? = Real estate revenue - operating expenses