Commercial Loan Pricing Pitfalls for Bank Executives Commercial Loan Pricing Navigating the common pitfalls of commercial loan pricing are hazardous. Here are a few of the danger zones that you should avoid. Overemphasizing Credit A better credit forces a banker into a thinner spread; however, are you properly managing the balance between credit and the net interest margin? This is not a straightforward, linear relationship. Credits that are above 1.50 debt server coverage (DSC) ...