CRM Underwriting Toolbox

Loan underwriting software that includes analytical tools designed to help the lender understand the exact financial capacity of the borrower and an exceptions-based risk assessment and loan approval system that combines an Online Credit Manual with CRM's Consumer and Commercial Risk Grade Models

What CRM Underwriting Toolbox is:

• Online Credit Manual
• CRM Credit Leader
• CRM Toolbar Analytical Tools
• CRM Toolbox Training

Key Product Features & Benefits

Online Credit Manual

• Customized to reflect your Bank's credit culture
• Provides easy access to your Bank's policies and procedures
• Ends reliance on paper manuals with easy-to-use web browser-based HTML technology
• Minimizes the time and expense of "in-bank" manual maintenance
• Includes extensive lending-related reference and compliance information

Menu-driven Underwriting

• User-friendly interface
• Menu-driven underwriting guides users through the process
• Fully integrated with your Bank's Online Credit Manual—from start to finish
• Embedded hyperlinks provide direct access to relevant content within the Online Credit Manual
• Provides a method for consistent underwriting

Integrated Risk Underwriting

• All of your Bank's credit policies are integrated into the underwriting and risk assessment process
• Identifies and records deviations from guidelines and Bank policy
• Deviations from guidelines and policy require documented mitigation
• Severity and number of deviations impact the risk grade and loan approvals
• Assesses key underwriting factors specific to each loan product type—both subjective and objective

Capture Critical Data Points

• Allows users to periodically validate the integrity of a loan's risk grade
• Tracks loan conditions and servicing requirements
• Financial, cash flow, entity and collateral details are stored in a database and can easily be populated into future analyses

Chronicle Electronic Approvals

• Captures all critical data needed to submit to higher lending authority
• Control of loan approval authority based on:
  • Loan Amount
  • Total Exposure
  • Risk Grade
  • Guideline Tolerances
  • Policy Exceptions
• Users are automatically prompted to get additional approval if the request is outside of his/her loan authority

Track/Report Exceptions

• Guidelines tolerances and policy exceptions are stored in a database—allows for tracking and reporting
• Bank management can track and report tolerances and exceptions based on:
  • Type of tolerance or exception
  • Branch location
  • Lender performance
  • Date ranges

Analytical Tools

• Global cash flow worksheets to analyze cash flow and understand the repayment capacity of the borrower/guarantor and interrelated entities of interest
• Income property cash flow worksheets to understand the capability of income-producing properties to produce cash flow
• Commercial spreads and projections for detailed analysis of business financials including ratio analysis, tracking of interims and easy multi-year projections
• Also includes Ag Cash Flows, Builder & Developer Line tracking, Construction monitoring and many more

CRM Toolbox Training

• Credit focused software training
• Case-based to reinforce fundamental credit skills as opposed to strictly technical training
• Performed at the Bank's site as a way to bring Bank personnel together and support the Bank's Credit Culture

Please contact us for a full Webex ^TM demonstration of our products.

Back to Services Index