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Helping to Evaluate Commercial Real Estate during COVID-19 Pandemic and Post-Crisis Recovery. The credit downturn caused by COVID-19 has been abrupt and severe, with an especially pronounced impact on some commercial real estate segments. Under the current conditions, financial institutions need to be able to detect which of the loans in their portfolios are at increased risk of default. This report highlights how to monitor credit risk across CRE property types in the context of COVID-19 using S&P Global Market Intelligence Commercial Real Estate Scoring Tool (CREST) Scorecard.