Loan growth requires scalable processes but also sound credit decisioning and monitoring practices. Sageworks offers the best-in-class Credit Risk Solution that helps institutions book the right loans at the right price and manage the relationship to mitigate risk. Small business, SBA-guaranteed, nonprofit, agricultural, commercial, and complex real estate loans can all be analyzed using specific and customized templates.
Sageworks Credit Risk Solution
Financial institutions need to make smart loans in order to survive and thrive, and a Credit Risk Solution powered by Sageworks gives banks and credit unions the tools to make better loan decisions. Management can quickly assess credit risk across borrowers, and the credit team can use dashboards to manage customer outreach, overdue ticklers, and new-loan relationships.
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Sageworks Credit Risk Solution
Big problems get bigger solutions with Abrigo.
Problems Our Credit Risk Solution Solves
- Global Cash Flow Analysis
- Multiple Entity Type Analysis
- Financial Spreading
- Inconsistencies
- Inefficient Credit Memos
- Risk Rating Inaccuracy
- “Gut feel” Loan Pricing
- Bottlenecks & Control Issues
- Loan Documentation
- Time-consuming Renewal Analysis
- Training New Credit Analysts
Features
Making smarter loans equals bigger thinking.
Credit Analysis
Spread loans quickly to understand the borrower’s global cash flow and credit risk compared to industry peers.
Learn MoreRisk Rating
Use a single, dynamic, and comprehensive risk rating methodology for the entire loan portfolio, and identify problem loans early.
Learn MoreLoan Pricing
Make more informed pricing decisions that accurately capture costs of administering the loan and risk of the borrower.
Loan Administration
Automate client correspondence and reduce the time and cost of preparing for loan review by an average of 35%.
Learn MoreDocument Preparation
Create compliant loan documentation quickly using the information stored within Sageworks and pre-built templates hosted by CSi.
Learn MoreWorkflow
Shorten loan turnaround time with customized workflows to match your loan management needs.
Learn MoreDocument Management
Securely store key documents, improving efficiency and centralizing data for users who need access.
Learn MoreAnalytics & Reporting
Create custom reports and dashboards using simple, drag and drop functionality.
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Taking the guess work out of making loans?
Now that's big.
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Now that's big.
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Sageworks Credit Risk Solution
- Our life of loan solution means credit analysts and lenders only enter information once and can use it throughout the origination and administration process
- Simplify data entry and gathering, allowing your credit analysts to spend time on the analysis and not entering line by line
- TruGlobal credit analysis means the credit team quickly sees intermingled debt and income and can assess global creditworthiness for complex entities
- Analyze people, nonprofits, for-profits, real estate, and farms on a single platform using dedicated templates and ratios
- Use real-time credit scoring information and proprietary industry benchmarks for up to date analysis on borrowers
- Leverage loan pricing benchmarks to validate pricing scenarios
- Leverage No Data Entry to auto-import information from an individual’s bank accounts and create a personal financial statement
- Compile all ticklers and correspondence to borrowers in a single, automated, and electronic communication instead of wasting time with duplicate letters
The product is easy for a new analyst to pick up, and it’s easy for someone like me who’s been in the business much longer than the analysts but had never used the product before.
ANNE MCBRIDE, SENIOR CREDIT OFFICER, DEDHAM SAVINGS INSTITUTE
"That kind of volume, to do the manual processes we have today, it's just not scalable. It's not efficient. We're looking for efficiency, consistency, and scalability, and that's why we chose the platform."
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Add-on Options
Get even more from our credit risk solution
with the following add-ons.
with the following add-ons.
Credit Report Access
Import real-time guarantor credit information, saving time and giving analysts more up-to-date analysis. Using this technology, you can access single, bi-merge, tri-merge, and joint reports through Universal Credit Services.
FIND OUT MORENo Data Entry
Eliminate data entry from underwriting so it's easier for borrowers to submit information for loan applications and renewals. The borrower submits documents, and we automatically build a personal financial statement for the lender, including credit report and asset account information.
FIND OUT MOREClient Portal
Use a secure online portal to collect files from customers through a single email. It prevents lenders from becoming “document chasers,” and gives borrowers a better experience by cutting down on branch visits and reducing the risk of document exceptions.
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Meet the Experts
Abrigo offers a comprehensive suite of consulting services to help your financial institution with credit risk.
