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Baker Hill Client Conference 2016 - You can't set it and forget it

You can't set it and forget it - Strategies for portfolio risk management

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You can’t set it and forget it!
Getting the most from your origination system
Stephanie L. Butler‐ Director, Advisory Services
Brad Girton‐ Sr. Implementation Analyst
Jerry Kennedy‐ Senior Vice President, Western Alliance 
Bancorporation
You can’t just “set it and forget it!”
 Are you getting the most from your origination system?
 Do you know what functionality is available?
 Are your credit policy messages out of date?
 Products and pricing five years behind?
 When is the last time your financial institution had a “tune 
up?”
 Today we are going to discuss
 What is involved in a “tune up”, otherwise known as a Strategy 
Review and Configuration Audit
 How Western Alliance Bancorporation leveraged an audit to 
 Understand the functionality available in the system
 Gain efficiencies in process and procedures
 Correct perceived issues with the system
You can’t just “set it and forget it!”
When is the last time your financial institution had a 
By a show of hands…..
“tune up?”
You can’t just “set it and forget it!”
What is involved in a Strategy Review and Configuration Audit?
 Effort between Advisory Services and an Implementation Analyst
 Attack strategy, tactics and configuration in one, three day visit
Attack Strategy and Tactics
 Where does your financial institution 
see small business or consumer lending 
in the next 2‐5 years?
 What is your definition of success?
 What are your current pain points?
 Does loan policy and procedures reflect 
the current environment?
 Walk through your process
 From initial customer engagement 
to booking
Attack Strategy and Tactics
This is far more than just “fixing” the system
 You can’t configure Bank2Business 
and Bank2Consumer in a vacuum
 All the strategy, tactics and process 
discussions drive configuration
 Not everything can be reflected in 
the system
 That is where policy and process 
step in

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Baker Hill Client Conference 2016 - You can't set it and forget it

  • 1. You can’t set it and forget it! Getting the most from your origination system Stephanie L. Butler‐ Director, Advisory Services Brad Girton‐ Sr. Implementation Analyst Jerry Kennedy‐ Senior Vice President, Western Alliance  Bancorporation
  • 2. You can’t just “set it and forget it!”  Are you getting the most from your origination system?  Do you know what functionality is available?  Are your credit policy messages out of date?  Products and pricing five years behind?  When is the last time your financial institution had a “tune  up?”  Today we are going to discuss  What is involved in a “tune up”, otherwise known as a Strategy  Review and Configuration Audit  How Western Alliance Bancorporation leveraged an audit to   Understand the functionality available in the system  Gain efficiencies in process and procedures  Correct perceived issues with the system
  • 3. You can’t just “set it and forget it!” When is the last time your financial institution had a  By a show of hands….. “tune up?”
  • 4. You can’t just “set it and forget it!” What is involved in a Strategy Review and Configuration Audit?  Effort between Advisory Services and an Implementation Analyst  Attack strategy, tactics and configuration in one, three day visit
  • 5. Attack Strategy and Tactics  Where does your financial institution  see small business or consumer lending  in the next 2‐5 years?  What is your definition of success?  What are your current pain points?  Does loan policy and procedures reflect  the current environment?  Walk through your process  From initial customer engagement  to booking
  • 6. Attack Strategy and Tactics This is far more than just “fixing” the system  You can’t configure Bank2Business  and Bank2Consumer in a vacuum  All the strategy, tactics and process  discussions drive configuration  Not everything can be reflected in  the system  That is where policy and process  step in
  • 7. Attack Configuration  Review all segments of the system setup,  with focus on  Products  Pricing  Credit policy messages  Bank defined fields  Credit memo
  • 9. Attack Configuration  What functionality aren’t you using  System generated letters  System generated credit memo  Credit policy messages  Collateral templates
  • 10. Attack Configuration  While on‐site, the Implementation Analyst makes  all noted changes in the system  This may also include changes to the credit memo  Other changes as time allows  Changes are made in a services environment or  directly into production  Implementation Analyst will discuss options
  • 11. Let’s look at an actual client case…  This financial institution went approximately ten years between implementation and a Strategy Review  and Configuration Audit.  Stephanie Butler and Brad Girton were on‐site for three days to review  Strategy  Tactics  Process  Configuration
  • 12. Let’s look at an actual client case… Jerry Kennedy, Senior Vice President and Manager‐ Business and Consumer Loan Center  A brief history of the bank  Six full service banking divisions across the western United States  Primary subsidiary is Western Alliance Bank  In excess of $15 billion in assets  1,464 employees in 47 banking offices  Ranked 10th on Forbes 2016 Best Banks in America list  Bank2Business client since 2003.  Bank2Consumer client since 2005.
  • 13. About the audit.  Why a Strategy Review and Configuration Audit for small business/consumer lending?  Prepare system for use of Applink  Review internal processes  Update credit policy message  Further use of BHOS functionality  Bank was not using Verification of Collateral Checklist  Bank was not using Customer Acceptance  Update credit policy messages  Use pricing functionality  Future increase in total exposure processed through the system  Evaluate using Bank2Business for SBA express  Not using Access database for reporting  Many functions were very manual  All paper process  Loan processing and documentation outside the system
  • 14. How it went.  What was the process like for the bank?  Eye Opening‐didn’t know what we didn’t know  Had 10 people participate in the process‐half the department  Presented the process as mandatory.    Needed everyone on the same page in order to complete all proposed changes  Entailed change‐challenging for most, but worth it!  Baker Hill staff very knowledgeable and helpful  “Lit the Fuse”‐Got the whole upgrade process started on a positive note
  • 15. Recommendations.  Some of the recommendations included  Review system administrator role  Lending authority   Training   Staffing  Policy changes  Review processes  System usage
  • 16. Moving forward…  Western Alliance Bancorporation’s next steps  System Administrator Certification Training  User Training  Auto Tag Training  Introduction of paperless processing  Applink implementation and training  Further refine CPM’s  Access training  Beginning use of VCC, Booking, Laser Pro Interface
  • 17. You can’t just “set it and forget it!” The origination system is not a rotisserie chicken!  Technology is living, breathing organism  As your financial institution changes, systems must be updated   You are only as good as your policies, processes and  procedures