As the US economy recovers, banks and other financial institutions have increased their levels of commercial lending. This necessitates the performance of Phase I Environmental Site and other environmental assessments on real estate collateral to reduce the bank’s liability in the case of foreclosure. It should no longer be acceptable for a bank to hire an Environmental Consultant to perform an assessment and receive a report which may not meet the Bank’s needs, especially when it’s a “deal killer”. Certain properties that have had historic uses such as gasoline stations, manufacturing, or dry cleaning require a level of expertise not typically found in many consulting firms and a poorly prepared report with un-analyzed findings may waste the bank’s funds and cause a loan to be unfairly rejected. Terrain Solutions offers an Executive Environmental Review program for financial institutions that allows loan officers to make better decisions on commercial loans involving potentially complex environmental issues.