Sageworks Credit Risk Solution

Everything you need for smarter loan decisions

Loan growth requires scalable processes but also sound credit decisioning and monitoring practices. Abrigo offers the best-in-class Credit Risk Solution powered by Sageworks to help institutions make smarter loans. Small business, SBA-guaranteed, nonprofit, agricultural, commercial, and complex real estate loans can all be analyzed using specific and customized templates.

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Sageworks Credit Risk Solution

Financial institutions need to make smart loans in order to survive and thrive, and the Sageworks Credit Risk Solution 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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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

Taking the guesswork out of making loans?
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Comprehensive Life of Loan Solutions

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 CS.

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Electronic Tax Return Reader

Spread tax returns in less than a minute, giving your lenders more time to review the loan instead of keying data.

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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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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.
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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, businesses, 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

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.

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.

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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Meet the Experts

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

Our trusted partnerships create a better experience for you and your customers.

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Looking for Banker’s Toolbox? You are in the Right Place!

Banker’s Toolbox is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to Banker’s Toolbox Community Online.

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