not so risky business final - amazon s3 · not so risky business: merging the five cs and...
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Not So Risky Business: Merging the Five Cs and Technology
June 13th, 2018
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Nice to Meet You!
Sonya ChowSenior Manager
Process ManagementCapital One
Jay JenkinsSenior Product Manager
nCino
Chris GuffordSenior Solutions Architect
nCino
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Agenda
• State of the Credit World• Managing the Grey Area• Where Does Automation Fit?• Real Insights with Your Data
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Why Leverage Data & Technology in Credit?
Quarterly Net Interest Margin Quarterly Efficiency Ratio*
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Better Decisions, Faster
How can we increase speed and efficiency, without sacrificing credit quality?
Warren BuffettApprove the loan immediately
Bernie MadoffDecline the loan immediately
(and probably contact FBI)
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A Better Future
• Financial information gathering• Spreading/ratios/cash flow• Covenant compliance• Collateral data and monitoring
• Management decisions impacting repayment ability• Market conditions• Anticipate and mitigate risks• Better deal structure, better pricing, better results
Automate the “What” To focus on the “Why”
Gather Information
Get Answers, Structure AppropriatelySpread Data Analyze & Ask
QuestionsApproval Process
Loan Request Approve à Fund
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Assessing the 5 Cs - Practical Application
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Monitoring Capacity - Practical Application
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Compliance - Practical Application
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Data Insight - Practical Application
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Questions?