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Lending to mid-sized businesses is one of the most
complex processes in banking. Commercial customers are requiring
greater flexibility in products, structures and services while
demanding ever lower rates. At the same time, the overall risk
of commercial lending relationships is harder to analyze due to
the ever increasing complexity of corporate relationships and
credit products. Additionally, Basel II mandates that all decisions
and decision processes be fully tracked and analyzed to support
enterprise risk management initiatives. As a result, commercial
lenders have to analyze more information more quickly across many
different functions …and do so at reduced costs.
To meet these challenges, CapitalStream FinanceCenter is one of the
only front office platforms to originate, manage and monitor the many
complex relationships that determine
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success in the mid-market.
FinanceCenter provides a complete front office platform that allows
relationship managers, product specialists, credit analysts, customer
service representatives and operations personnel to collaborate more
effectively as they review, gather and analyze the information necessary
to manage and optimize relationships with commercial customers.
FinanceCenter integrates fully with current commercial lending systems
to manage current customer, facility, exposure, credit history,
collateral, balance and other information easily, no matter what
system contains that information. The bottom line: your front office
spends more time understanding and building relationships and less
time re-entering data between documents, spreadsheets and systems.
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The most challenging aspect of introducing new
systems to commercial lending is getting the relationship
managers and credit analysts to give up their current
spreadsheets and documents. FinanceCenter integrates with
current credit write-up documents and financial/spreading
models, allowing your front office team to continue to use
these invaluable tools - without having to re-enter
information. FinanceCenter extracts, stores, validates and
revises the information in these files automatically and
then allows management to monitor and analyze information
across the entire portfolio. Further, you can review and
update information directly over the Web.
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With different systems managing different
products across multiple divisions, it is extremely
difficult to build an organization that seamlessly
serves commercial customers. With complete visibility
into the entire customer relationship across all products,
systems and divisions, the front office team can better
identify ways to serve customers and sell more products.
FinanceCenter 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 and help the front office identify and understand
the financing customers need and qualify for.
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With FinanceCenter, you can track and aggregate
specific, direct and contingent exposure at every level -
facility, customer, guarantor, portfolio
and bank-wide. Relationship management is less time-intensive
when you can easily and automatically pull and analyze
exposure information from the data warehouses or various
servicing systems that monitor commitments, outstandings
and relationships across commercial accounts.
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Credit managers and other front office
personnel can quickly and easily monitor reporting
requirements, financial covenant compliance, risk rating
criteria and other credit policies. Integrated financial
reporting, covenant compliance tracking and bank-wide
exposure monitoring mitigate risk by making changes in
account and portfolio risk immediately visible.
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All risk rating assignments, credit
approvals and denial decisions - along with the
supporting rationale and metrics - can be tracked to
provide managers and compliance officers visibility
across all lines of business and product offerings.
Decisions may be tracked by decision-maker, borrower,
facility, line of business, etc., with trends and key
ratios calculated automatically.
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Commercial lending documentation can be
incredibly dynamic and complex. No deal is exactly the
same as the next. FinanceCenter integrates and automates
your current documentation by automatically updating
information to eliminate redundant data entry while
providing the flexibility and control to negotiate changes
as needed. All changes and versions are tracked and any
document can be retrieved instantly.
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