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.

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.

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.

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Risk Rating

Use a single, dynamic, and comprehensive risk rating methodology for the entire loan portfolio, and identify problem loans early.

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Loan Pricing

Make more informed pricing decisions that accurately capture costs of administering the loan and risk of the borrower.

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Loan Administration

Automate client correspondence and reduce the time and cost of preparing for loan review by an average of 35%.

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Document Preparation

Create compliant loan documentation quickly using the information stored within Sageworks and pre-built templates hosted by CSi.

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Workflow

Shorten loan turnaround time with customized workflows to match your loan management needs.

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Document Management

Securely store key documents, improving efficiency and centralizing data for users who need access.

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Analytics & 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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Get the Big Picture
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

Consistent Credit Spreads

Eastern Utah Community Credit Union transitioned to Sageworks Credit Risk Solution to more consistently and accurately spread loans with tax returns and financial statements and build a defensible credit package for examiners.

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"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.

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.

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No 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.

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Client 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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Want to know more about how Sageworks Credit Risk Solution can help your institution?
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Meet the Experts

Abrigo offers a comprehensive suite of consulting services to help your financial institution with credit risk. 

Alison Trapp

Director of Client Education

Alison Trapp draws on more than 20 years of credit risk expertise to educate our clients on credit risk best practices. As Abrigo’s

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Chance Castellucio

Senior Credit Risk Consultant

As a Senior Credit Risk Consultant, Chance Castellucio helps community banks and credit unions across the country develop consistent and

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Mike McCaffery

Credit Risk Consultant

As a Credit Risk Consultant, Mike McCaffery helps community banks and credit unions across the country develop consistent credit

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John Millman

Credit Consultant

John Millman draws on his past experience as a Senior Portfolio Manager at Aspire Federal Credit Union and as an end user of Abrigo

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Aaron Lenhart

Director of Consulting

Aaron Lenhart is the Director of Consulting for Abrigo, working with financial institutions to implement lending, credit, and portfolio

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Resources for Credit Risk

Webinar

CRE Lending Market Simplified: Key Insights for 2019

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Webinar

Fixing Employee Retention in Banking

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Webinar

Maintaining Credit Quality

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