A staged internal workflow tool that helps relationship managers, credit teams, treasury, legal, and executive leadership align faster on complex commercial deals — before they reach committee.
In commercial banking, the gap between a deal's first review and committee approval is filled with fragmented information, siloed assumptions, and repeated conversations. Each department brings a different lens — and those perspectives rarely surface in the same place at the same time.
Commercial real estate deals in particular involve overlapping jurisdictions: Credit is evaluating DSCR and collateral risk. Treasury is watching concentration limits. Legal is reviewing structure. Operations is scoping servicing capacity. Relationship Management is managing the sponsor and the competitive window. And Executive Leadership is thinking about CRA, reputational risk, and strategic fit.
Without a coordination layer, these conversations happen sequentially — and late-stage friction from Legal or Treasury can derail deals that Credit had already greenlit in principle. The result is slower decisions, repeated work, and eroded sponsor relationships.
The Hawaii commercial real estate market presents a specific set of coordination challenges that make internal alignment tools especially valuable. Supply constraints, ground lease complexity, and the affordable housing policy environment create deals where cross-functional friction is not just inefficient — it's costly.
ClearPath is organized as a four-stage internal workflow that takes a deal from initial review through scenario analysis, cross-functional alignment, and executive summary generation — in a single session. Each stage has a clear job, and the output of each stage feeds the next.
Every output in ClearPath is traceable to a visible assumption. Sliders map to real financial variables. The strategic interpretation paragraph updates dynamically based on where the DSCR lands. Presets let teams move between scenarios instantly — and then fine-tune from there.
Most deal reviews surface departmental concerns after the fact — in committee, or after a term sheet. ClearPath builds those perspectives into the workflow so cross-functional friction is visible and addressable before it becomes a problem.
Every structural choice in ClearPath reflects a specific reasoning about how complex deals actually move through institutional environments — and where coordination breaks down.
ClearPath is a conceptual prototype built to demonstrate systems thinking, workflow design, and cross-functional operational reasoning in a commercial banking context. It reflects how I approach complex operational problems: by mapping who needs what information, at what stage, and in what form — and then building the structure that makes that transfer reliable and repeatable.
The project draws on nearly ten years of experience coordinating across operations, finance, ownership, and tenants in a commercial real estate environment — where misaligned assumptions create real delays and good process design prevents them. The tools I've built for portfolio management, deal analysis, and cross-functional reporting follow the same design logic as ClearPath: clarity of audience, traceability of outputs, and structured reasoning over vague summary.