including mid-market, small business, equipment finance and commercial mortgage. CapitalStream is a complete Straight Through Processing platform that allows credit analysts and risk managers to collaborate more effectively with the entire front office as they gather, review and analyze the information necessary to manage risk and meet reporting requirements for individual relationships, product portfolios and across the financial institution.

Risk is created through individual transactions, decisions and relationships. The first step in managing risk is to ensure the people involved in negotiating the transactions and managing the relationships have the information and controls to make decisions in line with the bank's policies. Using CapitalStream your team can easily analyze relationships, covenants, compliance, rate, credit, asset, balance, transaction and other information to identify risks, assess exposure and monitor for policy exceptions. Input, spread and analyze financial statements using your current models or spreadsheets with easy drill-down to all related information. Underwriters can then quickly take action on the information to initiate account reviews, change risk ratings, send notices and schedule follow-up calls or process renewals, amendments or restructures.

CapitalStream enables front office as well as bank-wide personnel to access information easily, no matter what system or document contains that information. Using a standard Web browser, CapitalStream allows risk managers and credit underwriters to collaborate, using consolidated views of each customer's direct, contingent and total exposure, as well as balances and profitability. Information in your current credit applications and write-ups - even if it is sitting in spreadsheet files - can be extracted, monitored, consolidated and analyzed. By providing visibility into the whole customer relationship consolidated from all documents, models and systems across products, channels and divisions, CapitalStream speeds the process of analyzing exposure and risk.

CapitalStream provides flexible gateways that integrate with your current commercial lending tools and systems to give relationship managers, underwriters, and credit officers the access they need to see credit and payment history, covenant compliance and aggregated direct and contingent exposure. Front office and risk management teams enjoy instant access to integrated information from your existing enterprise data warehouses, financial analysis tools and servicing systems.

The bottom line: your enterprise risk management resources spend more time understanding and reviewing exposure and compliance and less time searching for information or re-entering data between documents, spreadsheets and systems.

Operational risk management requires that the appropriate steps are completed and policies are checked according to the type of product, size of relationship, risk rating, credit score and many other criteria. CapitalStream's flexible process management engine can be configured to support a wide variety of finance operations - from high touch, low volume commercial relationships to low touch, high volume small ticket relationships. Each type of operation is handled very differently from dedicated relationship teams requiring flexible collaboration to large centralized operations requiring step by step automation.

Using rules-based checklists that are flexible and dynamic, risk managers can configure the appropriate policies and controls for each line of business and then monitor to ensure the process is followed. Any exceptions or overrides can be tracked along with the associated decision and supporting credit information. Overall, risk managers, bank management and regulators have visibility into the decision process to ensure policies are adhered to and processes are under control.

CapitalStream’s integrated risk analysis tools give managers access to real time cross-portfolio information to monitor critical indices. Sophisticated credit decisioning processes can be defined and managed to integrate advanced credit scoring models for smaller relationships with credit review and approval routing for larger, risk-rated relationships. Underwriters have full visibility into approval processes, decisions and rationale for each relationship, credit request and individual facility/product. Risk managers can easily review individual credit actions or entire portfolios. Exceptions and manual overrides along with the associated rationale are tracked for subsequent review, and reviewers can instantly drill down to relevant financial analysis and exposure information. All changes in risk ratings or credit scores can be tracked along with the associated delinquencies and defaults to calculate likelihood of default and expected loss given default in support of Basel II Advanced IRB requirements.