25-30 An originate-to-sell model when dealing with below investment grade companies is considered an attractive alternative for FIs,which have specialized credit monitoring skills,as compared with keeping the loans in their portfolio.

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An originate-to-sell model is considered attractive for FIs when dealing with below investment grade companies because they can use their specialized credit monitoring skills to originate the loans and then sell them to investors, rather than keeping the loans in their own portfolio. This allows them to mitigate their credit risk while still earning fees for originating and servicing the loans.

25-30 an Originate-To-Sell Model When Dealing with Below Investment Grade