“HCL is committed to sponsoring industry research that not only helps us develop the most powerful and relevant lending and leasing solutions for our customers - but also provides executives with a roadmap to improved effectiveness, productivity and responsiveness”, said Kevin Riegelsberger, Senior Vice President and General Manager, HCL CapitalStream Lending Group. As thought leaders in lending and leasing, HCL is proud to have sponsored the following industry research.

Survey of Best Practices in Business and Commercial Lending
   Jointly sponsored with IBM
   

Mid-Market Lending Survey Report
   Jointly sponsored by the American Bankers Association
   

Small Business Lending Survey Report
   Jointly sponsored with Fair Isaac Corporation
   

Commercial and Equipment Finance Survey Report
   Jointly sponsored with Blackwell Consulting Services  
   

Survey Report Summary

The CapitalStream Survey of Best Practices in Business and Commercial Lending discovers and evaluates the best practices at banks in North America in their business and commercial lending groups. 180 executive, senior or mid level managers specializing in sales, credit or operations at mid-size to large banks participated in the survey. The study reviews the capabilities, processes, policies, systems, controls, channels, organization and compliance methods that have become best practices. Through in-depth interviews, the survey ascertains which best practices have been implemented or will be implemented at different sized banks and how successful they have been. The primary areas of focus for the study are sales, origination, credit analysis, documentation, booking, monitoring and servicing. The study enables banks and financial institutions to assess how their processes and policies compare to others throughout the industry and establish priorities for implementation of best practices in their bank.

Survey Report Summary

The Mid-Market Lending Survey Report reviews the processes, systems and best practices used by leading commercial banking institutions to originate, underwrite and monitor loans, lines, commercial mortgages, and other commercial credit facilities. The survey identifies the critical challenges in front office operations and reviews the best practices and systems implemented to address these challenges. The participants were selected to represent a range of banks in terms of size of operations and organizational structure. The first few sections of this report describe how the survey was conducted, the types of banks that participated, and the types of products they offer. Later sections review the survey results related to specific functional disciplines including sales, credit, documentation, operations, overall front office effectiveness and systems integration.

Survey Report Summary

The Small Business Lending Survey Report reveals how banks are managing their small business relationships and improving their effectiveness to expand credit portfolios. Through in-depth research interviews with more than 100 bank executives, the survey identifies the critical challenges in front office operations and the best practices implemented to address them. The survey reviews the systems and processes used by banks to originate and underwrite loans, leases, lines, cards and other small business credit instruments. The first few sections describe how the survey was conducted, the types of banks that participated and the products they offer. Later sections review the survey results related to specific functional disciplines including sales, credit, documentation, operations, overall front office efficiency and systems integration.

Survey Report Summary

The Commercial and Equipment Finance Survey Report was conducted to determine how banks, finance companies, equipment leasing companies and other commercial finance providers are managing their relationships, improving their processes and enhancing their systems to grow their business. This year’s survey focuses on the commercial finance front office along with the numerous customers, partners, vendors, brokers, service bureaus and various external and internal organizations that make up the “finance supply chain”. The survey reviews how each of these groups work together to originate loans, leases, lines and other commercial finance instruments. Market research specialists interviewed 220 banks and finance companies specializing in commercial and equipment finance to discover how they source and process new deals, the key issues they face, and the systems and processes they use to address these issues.