CapitalStream

One of the greatest problems facing the financial front office is that the various customer touch points including relationship managers, product specialists, credit analysts, branch personnel, call center personnel and partners cannot easily access the information necessary to determine what the customer needs or qualifies for.

With different systems managing different products across multiple divisions, it is extremely difficult to build an organization that seamlessly serves customers across all channels. Most importantly, lucrative cross-selling opportunities are likely to be missed.

CapitalStream retrieves and manages all customer information from all systems to provide a consolidated view of the total business, exposure, balances and profitability of each customer. By looking at the whole customer relationship across all products, channels and divisions, every member of the team can identify new ways to serve customers and sell more products.

Seventy percent of finance systems are not integrated. As a result, front office personnel are unable to access the information they need. However, your current systems represent a significant institutional investment, and it takes too much time and money to replace them. CapitalStream provides a Service Oriented Architecture (SOA) that allows your team to use web services to access and update information from various systems while protecting and leveraging your current technology investments. The CapitalStream SOA framework provides a common access point for services and information bank-wide, including:

	Loan Servicing		Excel and Word Documents
	Lease Servicing		Finance Spreading and Analysis
	Mortgage Servicing		Covenant Compliance Tracking
	Credit Agencies including Experian, Transunion, Equifax, Paynet, D&B and various worldwide credit services.		Direct, Contingent and Aggregated Exposure Tracking
	Fair Isaac’s LiquidCredit® and other credit scoring engines.		CRM/Contact Management
	Credit Analysis Tools		Vendor Systems
	Documentation Systems		Portfolio Management
	Deposit Systems		Tax Services
	Risk Management		UCC Filings
	Asset Management		Data Warehouse
	Ivory SuperTRUMP and Other Pricing Models		Imaging Systems

Financial objects provide a common SOA object model and repository to manage critical information including customer, facility, financial, statement mortgage, credit line, asset/collateral, appraisal and payment data. This model can then be extended to gather any additional data specific to each financial institution. By gathering information from servicing, origination and credit decisioning systems in a common repository, all functions and divisions can easily identify opportunities and assess risk in the account, group or bank-wide.

Integration across systems means information is entered once and instantly shared among all systems, eliminating the errors, delays and costs of redundant data entry. Because information is maintained electronically and updated immediately by everyone involved, it is always accurate. And automatic updating means no more outdated documents to frustrate staff and delay transactions.

Alerts monitor all information sources automatically and notify your front office via e-mail and the Web of any changes in status that could affect risk exposure or help close more business. So now, relationship managers, product specialists or credit analysts can be automatically notified when:

Credit ratings have changed
Lines of credit have been extended
Agreements are nearing their expiration
Covenants have been violated

Alerts ensure that your team takes the right action at the right time to mitigate risk and seize new business opportunities.

Flexible business rules continually monitor your data and processes to ensure information is complete, your processes are under control and your credit policies are adhered to. These business rules can be applied as information is entered or at various stages in the process so you can start with limited information and few controls, but tighten these controls as the negotiation progresses. As with everything else in CapitalStream, each business rule can be tailored to business process and policies so you preserve the best practices that have made your organization.

Front office personnel can access advanced customer and business analysis capabilities using a standard browser. CapitalStream Insight, an add-on analytics module, provides a single access point to:

Measure performance real time by continuously monitoring Key Performance Indicators (KPIs)
Highlight trends through advanced graphing capabilities
Personalize the information each person needs with Web portals
Analyze business through powerful Web-based analytical tools and reports
Quickly drill down to detailed information about a customer, transaction, facility, property or asset

Flexible information and access rights are tailored to each person's role. This eliminates the clutter of information and provides each user what they need, sent automatically, right when they need it.

Relationship managers can access transaction, pricing, contract, appraisal, underwriting and payment information to uncover new opportunities for each customer.
Credit Analysts can analyze direct and contingent exposure, balance, credit bureau and financial information to assess credit risk.
Operations can see all quotes, term sheets, applications, appraisals, documents and customer notes related to deals in the pipeline.
Partners can enter, price and track their deals over the Internet from their desktop.

Learn how CapitalStream can use this information to accelerate account origination >>