make better decisions with credit analysis, financial ... · make better decisions with credit...
TRANSCRIPT
COMMERCIAL LENDING
TEMPLATES
» Car Dealership
» Commercial Real Estate
» Hotel / Motel
» Manufacturing
» Medical Industry
» Non-Profit
» Residential Construction
» Restaurant
» Retail
» Transportation / Trucking
» And More
Cloud-Based Credit Risk Management for Commercial Lending
Moody's Analytics cloud-based platform offers a single solution for every type of commercial lending, whether it’s for new construction, a manufacturing company or investment property or retail operation. Our industry-leading lending software saves you time and effort while helping you manage credit quality — so you make more profitable lending decisions.
91%IMPROVEMENT IN NET
CHARGE-OFFS TO LOANS
Industry*Clients
1.38%0.13%
31%IMPROVEMENT IN
RETURN ON EQUITY (ROE)
Industry*Clients
6.9%9.0%
27%IMPROVEMENT IN RETURN
ON ASSETS (ROA)
Industry* stneilC
0.75%0.95%
» Evidence indicates that our clients are more efficient, more profitable and make better lending decisions.
» Our clients have saved thousands annually on net charge-offs.
» With a 90%+ retention rate, clients believe in the value they get from Lending Cloud.
Lending Cloud clients outperformed industry averages significantly on net charge-offs to loans, ROE and ROA.
Improve your entire lending process with a single solution.
Commercial Real Estate: Manage your credit quality for multifamily
apartments, office buildings, retail space, warehouses and other commercial
properties.
Construction: Whether your construction loans are home building loans, a
company building a property for business use or an investor building a
property to lease, our solution streamlines the entire process for determining
loan repayment capacity.
Commercial & Industrial: From the very first contact to the very last stress test,
Lending Cloud automates the lending lifecycle with time-saving convenience for
your manufacturing, wholesale, industrial and retail customers.
*Industry averages (FDIC Call Reports)
» Enhanced credit quality
» Uniform lending practices
» Improved risk management
» Comprehensive documentation
» Consistent regulatory compliance
» Efficient work flows
VALUABLE BENEFITS FOR ALL TYPES OF COMMERCIAL LOANS
ASIA (EXCLUDING JAPAN)[email protected]
CONTACT US Visit us at moodysanalytics.com/lendingcloud or contact us at a location below:
© 2016 Moody’s Corporation, Moody’s Investors Service, Inc., Moody’s Analytics, Inc. and/or their licensors and affiliates (collectively, “MOODY’S”). All rights reserved.
Small Business: Small businesses are the backbone of our economy and we can help you manage the diverse lending needs of
these borrowers, including an integrated SBA Forms Package to automate the onerous filing requirements in a fraction of the
time.
Make better decisions with credit analysis, financial statements and forms that fit your borrowers.
Lending Cloud provides a single system of record for processing all your commercial loans and includes powerful features and
functionality to help you be more thorough and efficient as you make your lending decisions including:
Credit Analysis & Decisioning »Comprehensive financial spreading. »Perform in-depth credit analysis for overall creditworthiness. »Use cloud technology to improve speed & accuracy of loan decisioning. »Assign approvals & reroute requests based on resource availability. »Faster loan approvals. »Establish & track service levels to identify bottlenecks & improve productivity.
Document Management & Compliance »Electronically store data collected during the credit decisioning process. »Track covenant compliance. »Lower regulatory compliance costs & data error rates. »Address regulators questions & audit requirements with a documented process. »Use portfolio-level reporting to spot financial trends.
About Moody’s AnalyticsMoody’s Analytics, a unit of Moody’s Corporation, helps capital markets and credit risk management professionalsworldwide respond to an evolving marketplace with confidence. The company offers unique tools and best practices for measuring and managing risk through expertise and experience in credit analysis, economic research and financial risk management. By offering leading-edge software and advisory services, as well as the proprietary credit research produced by Moody’s Investors Service, Moody’s Analytics integrates and customizes its offerings to address specific business challenges.
Monitoring and Servicing »Automate covenant monitoring notification. »Ticklers ensure post approval tasks are performed. »Use decisioning data for stress testing & model validation. »Quickly adjust credit policies to reduce risk.