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Lending Solutions

Today’s business borrowers can easily grow impatient with an application process that fails to deliver a positive experience and a quick decision. Then poof, they’re off clicking away on a competitor’s website, equaling lost opportunities and lost revenue for your financial institution (FI)

A long wait for a decision is the #2 reason business applicants​ can be dissatisfied with FI lenders, following a difficult ​application process.* ​

Some lenders have been reluctant to utilize technology to assist in this process, fearing that the end result would be automated and impersonal. Nothing could be further from the truth.  A well- designed loan underwriting and decision system works to enhance all of the strengths currently held by community-based institutions while helping them become more efficient. A true, relationship-based lending process that defies the traditional "end-to-end" commercial loan.

When you analyze the process from application through closing and beyond, you discover ten key elements for an effective loan generation engine.

  1. Efficient entry points for web, mobile, branch or loan officer input of applications
  2. Elegant work queues and work flows feeding sales management pipelines
  3. A system that is in harmony with your industry/business rules and credit policies
  4. Includes robust financial spreading technology
  5. Reaches out to other informational systems as needed, such as personal credit bureaus, business risk scores, flood determination for CRE, etc.
  6. Seamlessly allows for transition from spreading and analysis to loan officer presentation
  7. Contains specific functionality to serve multiple loan types (C&I, CRE, etc.)
  8. Facilitates all necessary approvals, including lenders, senior lenders, executive committees and boards
  9. Integrates with loan documentation systems
  10. Retrieves and sends data to your Core to eliminate dual entry

Many commercial lenders have been dreaming about such a system for years...a seamless front-to-end solution, that's easy to use. Introducing the Commercial Lending Center Suite. 

*Federal Reserve's 2015 Small Business Credit Survey​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

From the Blog
​The term "end-to-end" fails to grasp the significance of the relationship between a financial institution and its clients.
Related post:
‘The Timely Death of End-to-End’ commercial lending
Webinar Recording
18 Ways to Grow Your Commercial Loan Portfolio in 2018
Recorded webinar​​ that shows 18 actionable takeaways you can use now to jump start growth in commercial lending in 2018.