Commercial Loan has matured. We are renewing the loan after maturity, but backdating the note to the matured date.

We know we need to pull a new flood or recertify our existing flood cert if less than 7 years old.

My question is how do we show a flood was pulled prior to signing loan docs if the note is being backdated?

We occasionally do the same, but while the effective date of the note is backdated, the signers use the date that they actually signed. We compare the signing date to certification date to demonstrate compliance.

We have a line on our loan checklist to document when the documents were prepared which we can then compare to the flood determination date.