Throughout the life of the loan, there are many parties that have to give or act on borrower data. Whether it’s a lender collecting information or inputting it for analysis, or an analyst calculating the borrower’s ratios, or management evaluating that loan as part of a stress test or impairment. In this webinar, Peter Brown of Sageworks walked through the lending process to help bankers identify potential information gaps that could damage borrower experience or obfuscate risk.

1. PRESENTED BY:
Peter Brown
Senior Consultant
Jack Rash
Subject Matter Expert
February 25, 2015
UNCOVERING AND
PREVENTING HOLES IN
THE LENDING PROCESS

2. Housekeeping Items
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shared with all registrants.

3. Today’s Presenters
PETER BROWN
Peter is a senior consultant for Sageworks,
where he provides risk-management
advisory services to Sageworks’ bank and
credit union clients. He brings experience
in technology, business and financial
services into his role. Peter successfully
navigated the challenges of running a small
business in a competitive marketplace.
JACK RASH
Jack is a Subject Matter Expert for
Sageworks. Previously he served as
Director of Enterprise Relationships, where
he worked with bankers to provide
technology solutions to their lending
challenges. Before joining Sageworks, Jack
was a Vice President for Wachovia and
Wells Fargo in the Business Banking
Division of Raleigh, NC.

4. Agenda
PERSONAL LENDING EXPERIENCE
+ Jack Rash
+ Background
LIFE OF LOAN
+ Holes
+ Challenges
+ Impact
+ Solution

5. Poll Question

6. Personal Lending Experience
JACK RASH

7. Background
COMMERCIAL LENDING
+ Complex Process
+ Increasing Data Requirements
+ Various Departments and People

8. Analysis Committee
Covenants
Reporting
Loan ReviewStress Testing
ALLL
Ticklers
Due
Diligence
The Life of a Loan
Up-Sell
Loan Request Credit Memo
Approval
Servicing
Portfolio
Management
Closing
Prospect

9. Analysis Committee
Reporting
Loan Review
Stress Testing
ALLL
Ticklers
Due
Diligence
The Life of a Loan
Up-Sell
Loan Request Credit Memo
Approval
Servicing
Portfolio
Closing
Prospect
Covenants
Core

10. Holes
IN MANAGING THE LIFE OF LOAN

11. Holes in Process
+ Hand off between departments
+ Lending vs. Compliance
+ Disconnected Systems

12. Hand Off Between Departments

13. Lending vs. Compliance

14. Disconnected Systems

15. Challenges
THE LIFE OF LOAN

16. Challenges in the Process
+ Double or triple entering data
+ Inconsistent processes
+ Difficult oversight for management

17. Data Challenge

18. Inconsistent Processes

19. Difficult Oversight for Management

20. Impact
THE LIFE OF LOAN

21. Current State - Impact
CHALLENGES
+ Data
+ Processes
+ Oversight
IMPACT
+ Bottlenecks
+ Examiner scrutiny
+ Lose deals

22. Poll Question

23. Solution
THE LIFE OF LOAN

24. Solution
DATA
+ Pull all of your data together in one place
PROCESS
+ Standardize processes that are clearly defined
PEOPLE
+ Hold staff accountable and allowing them to focus on higher value
functions

25. Sageworks Comprehensive Suite
BENEFITS
+ One solution for the
entire life of a loan
+ Manage your
processes and data
more effectively
+ Comprehensive and
custom reporting

26. Contact Information & Additional Resources
Peter Brown
Senior Consultant
Peter.brown@sageworks.com
866.603.7029
LinkedIn Groups
+ ALLL Forum for Bankers
+ Commercial Credit Risk Professionals
Website
+ www.sageworksanalyst.com
+ Whitepapers, webinars,
thought leadership
2015 Risk Management Summit
+ September 23-25 | Chicago, IL
+ ALLL & Stress Testing