Sageworks Portfolio Management Solutions
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Transcript of Sageworks Portfolio Management Solutions
Sageworks Workflow.Increase efficiency, accountability of lending staff
Real-Time DashboardsIncrease efficiency in booking loans
Reporting.Oversight of prospects and customers
Relationship Dashboard.Manage full life of loan, with centralized data
Sageworks Credit Analysis.Book loans faster with consistency, while mitigating risk
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Data Entry.Save time with Electronic Tax Return Reader, input screens
Business(es) Personal Guarantor(s) Real Estate
TruGlobal™True financial picture of an entity
Evaluate the impact of proposed loans
Prevents Double-Counting
Farm(s)
Global Cash Flow.Automated, transparent calculations
Credit Memo.Standardize presentations, reduce prep time
Sageworks Loan Pricing.More consistent, profitable pricing decisions
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Customize the Model.Establish performance targets, model parameters for your bank
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Pricing Optimization.Compare to proprietary market rates to support decisions
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Reporting.Filter and track loans for audit purposes
Sageworks Risk Rating.Eliminate subjectivity for more accurate reporting
Quantitative Calculations.Defensible scoring for proposed & existing loans
Qualitative Calculations.Makes subjective criteria more defensible, scored
Industry Risk.Assess risk based upon the largest real-time industry database
Sageworks Loan Administration.Proactively manage relationship risk for better portfolio management
Ticklers.Flexible, automatic updates, create multiple simultaneously
Covenants.Integrate Credit Analysis & core system for covenant monitoring
Communication.Automate communication with employees, vendors & customers
Sageworks Stress Testing.Identify risk in the portfolio and improve capital planning
Stress Testing.Institution, concentration or global relationships
Loss Rates.Stress by historic and peer loss rates
Stress Factors.Multi-variable, multi-scenario tests
Reporting.Built-in documentation for risk assessments
Sageworks ALLL.Increase defensibility of the process and prepare for CECL
ALLL.com.Online destination for everything about the reserve
Analysis.Quickly classify & analyze FAS 5 and FAS 114 loans
Documentation.Clear & defensible documentation
Compliance.Prepare for pending FASB changes (CECL)
• Loan level data archiving to maintain compliance under new CECL model• Advanced loss rate methodologies: PD/LGD, migration analysis• Scenario Analysis to plan for the changes and impact on capital• Experience and best practices from 1,000 banks & credit union clients
Sageworks TDR.Document TDR performance to support re-classification
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Data Centralization.Archives info on concessions, new loan terms, dates from core system
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Payment History.Easily review payment trends, share with examiners
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Optimize Concessions.Compare different TDR scenarios to find most efficient concession
Sageworks Bank Information.Simplify peer analysis & benchmarking
Peer Comparisons.Analyze key metrics
Proprietary Data.Support Q Factor decisions in the allowance
Reporting.Easily export industry data with visuals
Sageworks Management Reporting.Automate board reporting, disclosures, dashboards
Reporting.Real-time reporting which can be scheduled and emailed
Sageworks Document Library.Easy storage & access for tax returns, appraisals, supporting data
File Accessibility.Store PDF, Word, Excel, etc. for any entity or relationship