Underwriting Debt Offerings at Boutique Banks

How do boutique and middle market banks without BB-sized balance sheets underwrite debt offerings? Interested in how this is done from $20m all the way to multi-billion dollar offerings. Is this essentially just relationships with lenders?

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Mechanically, they underwrite the same way BB's do it. However, because of capital requirements they are usually forced to underwrite a smaller chunk of the bigger deals and sell the remainder into syndication. It's not unusual for MM/boutiques to hold smaller pieces of larger syndicated deals than the participants even when they are the agent/lead lender--the balance sheet (or lack thereof) requires it (imagine a bank with a $1B of net loan volume underwriting a new $250MM loan). However they remain the lead lender/relationship manager. It's sometimes odd, but it works.

 

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