Sageworks solutions help institutions grow the portfolio profitably through good loans while at the same time reducing credit and regulatory risks. By automating processes, institutions eliminate manual errors and spend more time analyzing results, strengthening their methodologies or pursuing other revenue-generating activities. These solutions also improve examiner relationships, with well-documented processes that comply with the latest guidelines.

1. Sageworks Workflow.
Increase efficiency, accountability of lending staff

2. Real-Time Dashboards
Increase efficiency in booking loans

3. Reporting.
Oversight of prospects and customers

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

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

6. Data Entry.
6
Save time with Electronic Tax Return Reader, input screens

7. 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

8. Credit Memo.
Standardize presentations, reduce prep time

9. Sageworks Loan Pricing.
More consistent, profitable pricing decisions

10. Customize the Model.
10
Establish performance targets, model parameters for your bank

11. Pricing Optimization.
11
Compare to proprietary market rates to support decisions

12. Reporting.
12
Filter and track loans for audit purposes

13. Sageworks Risk Rating.
Eliminate subjectivity for more accurate reporting

14. Quantitative Calculations.
Defensible scoring for proposed & existing loans

15. Qualitative Calculations.
Makes subjective criteria more defensible, scored

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

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

18. Ticklers.
Flexible, automatic updates, create multiple simultaneously

19. Covenants.
Integrate Credit Analysis & core system for covenant monitoring

20. Communication.
Automate communication with employees, vendors & customers

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

22. Stress Testing.
Institution, concentration or global relationships

23. Loss Rates.
Stress by historic and peer loss rates

24. Stress Factors.
Multi-variable, multi-scenario tests

25. Reporting.
Built-in documentation for risk assessments

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

27. ALLL.com.
Online destination for everything about the reserve

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

29. Documentation.
Clear & defensible documentation

30. 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

31. Sageworks TDR.
Document TDR performance to support re-classification

32. Data Centralization.
32
Archives info on concessions, new loan terms, dates from core system

33. Payment History.
33
Easily review payment trends, share with examiners

34. Optimize Concessions.
34
Compare different TDR scenarios to find most efficient concession

35. Sageworks Bank Information.
Simplify peer analysis & benchmarking

36. Peer Comparisons.
Analyze key metrics

37. Proprietary Data.
Support Q Factor decisions in the allowance

38. Reporting.
Easily export industry data with visuals

39. Sageworks Management Reporting.
Automate board reporting, disclosures, dashboards

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

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

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