With all the credit quality issues of today, commercial lenders need tools to assist them in handling the other factors of commercial lending. One of those is loan pricing. There are commercial loan pricing models that can help in this process. The models are designed to give consistent, “analytically correct” pricing to loans being considered by the financial institution. I believe credit quality is indeed the biggest issue for commercial lenders at this time, but by using loan pricing models, more time can be spent on the credit issue. This will help alleviate future commercial loan isssues that deal with loan profitability.