Sageworks Portfolio Management Solutions

Sageworks Workflow.Increase efficiency, accountability of lending staff

Real-Time DashboardsIncrease efficiency in booking loans

Reporting.Oversight of prospects and customers

Relationship Dashboard.Manage full life of loan, with centralized data

Sageworks Credit Analysis.Book loans faster with consistency, while mitigating risk

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Data Entry.Save time with Electronic Tax Return Reader, input screens

Business(es) Personal Guarantor(s) Real Estate

TruGlobal™True financial picture of an entity

Evaluate the impact of proposed loans

Prevents Double-Counting

Farm(s)

Global Cash Flow.Automated, transparent calculations

Credit Memo.Standardize presentations, reduce prep time

Sageworks Loan Pricing.More consistent, profitable pricing decisions

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Customize the Model.Establish performance targets, model parameters for your bank

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Pricing Optimization.Compare to proprietary market rates to support decisions

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Reporting.Filter and track loans for audit purposes

Sageworks Risk Rating.Eliminate subjectivity for more accurate reporting

Quantitative Calculations.Defensible scoring for proposed & existing loans

Qualitative Calculations.Makes subjective criteria more defensible, scored

Industry Risk.Assess risk based upon the largest real-time industry database

Sageworks Loan Administration.Proactively manage relationship risk for better portfolio management

Ticklers.Flexible, automatic updates, create multiple simultaneously

Covenants.Integrate Credit Analysis & core system for covenant monitoring

Communication.Automate communication with employees, vendors & customers

Sageworks Stress Testing.Identify risk in the portfolio and improve capital planning

Stress Testing.Institution, concentration or global relationships

Loss Rates.Stress by historic and peer loss rates

Stress Factors.Multi-variable, multi-scenario tests

Reporting.Built-in documentation for risk assessments

Sageworks ALLL.Increase defensibility of the process and prepare for CECL

ALLL.com.Online destination for everything about the reserve

Analysis.Quickly classify & analyze FAS 5 and FAS 114 loans

Documentation.Clear & defensible documentation

Compliance.Prepare for pending FASB changes (CECL)

• Loan level data archiving to maintain compliance under new CECL model• Advanced loss rate methodologies: PD/LGD, migration analysis• Scenario Analysis to plan for the changes and impact on capital• Experience and best practices from 1,000 banks & credit union clients

Sageworks TDR.Document TDR performance to support re-classification

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Data Centralization.Archives info on concessions, new loan terms, dates from core system

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Payment History.Easily review payment trends, share with examiners

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Optimize Concessions.Compare different TDR scenarios to find most efficient concession

Sageworks Bank Information.Simplify peer analysis & benchmarking

Peer Comparisons.Analyze key metrics

Proprietary Data.Support Q Factor decisions in the allowance

Reporting.Easily export industry data with visuals

Sageworks Management Reporting.Automate board reporting, disclosures, dashboards

Reporting.Real-time reporting which can be scheduled and emailed

Sageworks Document Library.Easy storage & access for tax returns, appraisals, supporting data

File Accessibility.Store PDF, Word, Excel, etc. for any entity or relationship