Our fully integrated commercial Loan Management System allows you to centralize all of your crucial loan portfolio management requirements in a single database-driven, enterprise-level package. LMS greatly reduces the redundancy of data entry and places all your risk management tools in a single, easy-to-use application. Awareness of risk within your commercial loan portfolio has never been this easy.

Click on any feature of LMS below to learn more:

• Detailed financial spread analysis with RMA comparisons
• Summarized and detailed loan presentation packages
• Risk rating identification and management
• Pipeline and work flow management
• Document and policy exception management
• Watch list loan management of criticized and classified loans
• User-defined commercial scoring
• Past due action plan
• Detailed portfolio management query and reporting
• Configurable board reporting
• Covenant monitoring

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Benefits to Your Organization:

Efficiency

Key areas of your loan portfolio will be managed and accessed through a central database.  No longer will customer data need to be maintained through separate solutions.  From the prospect stages through closing and ongoing maintenance, you are building your customer’s electronic credit file as you navigate through the LMS.  Integration of the lending functions is at the core of our software.  Managing your portfolio has never been easier.

Asset Quality

Gain high visibility to the factors in your loan portfolio that affect asset quality.  Identify, measure, and control credit risk through analysis of financial spreads, ongoing documentation and exception tracking, and monitoring of past due loans and watch list credits.  Easy-to-use reporting complements each of these areas and provides you with summary overviews of your portfolio, or details that may be required.

ROI

Loan process improvements will result in annual cost savings, such as the following:

• Core accounting system interfaces further eliminate manual entry of customer and loan data
• Streamline credit analysis for more consistency and efficiency for quicker approval turnaround
• Streamline document exception maintenance and management
• Efficient collections and workouts maximize the time spent reducing loan losses
• Pre-configured board reports minimize the time spent preparing for board meetings
• Reduces the time spent by IT in managing multiple systems
• Document imaging eliminates the cost of accessing and managing data in paper files
• Supports a centralized loan and credit administration for maximum efficiency and controls