Advancing
Your Credit
Culture
Credit Risk Management, L.L.C. 

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

Click the bar below to learn more about how
Credit Risk Managment covers your Loan Portfolio's Spectrum of Risk...

Loan Portfolio Spectrum of Risk

Key Product Features & Benefits

Online Credit Manual

screenshots for 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

screenshots for 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

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  • 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

screenshots for capturing 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

screenshots for chronicling 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

screenshots for tracking/reporting 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

screenshots of cash flow worksheets
  • 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

screenshots for tracking/reporting exceptions
  • 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.

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Credit Risk Management, L.L.C.
4140 ParkLake Avenue, Suite 530, Raleigh, NC  27612
Mailing Address: P.O. Box 30036, Raleigh, NC  27622
Phone: 919-846-1601  |  Fax: 919-846-5760