Commercial lending faces a surge in borrower churn, rising from 15% in 2022 to 55% in 2023. Financial institutions must proactively manage this risk with attrition models, deep data analysis, and borrower profiling. Key churn indicators include long-standing credit relationships, real estate-backed loans, revenues between $50M–$100M, modern payment behaviors, and ESG emphasis. Onboarding dissatisfaction also signals attrition risk. Since churn drivers span credit, treasury, payments, and onboarding, successful mitigation requires cross-functional strategies and a unified portfolio management approach.

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