The document outlines the features of Sageworks software designed to improve efficiency and accountability in lending operations through real-time dashboards, credit analysis, and risk management. It includes tools for loan booking, pricing optimization, and performance tracking, while also providing capabilities for stress testing and compliance with reporting standards. Additionally, it offers automated documentation and peer analysis to enhance decision-making and support better portfolio management.

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

3. Real-Time Dashboards
Increase efficiency in booking loans

4. Reporting.
Oversight of prospects and customers

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

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

7. Data Entry.
7
Save time with Electronic Tax Return Reader, input screens

8. 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

9. Credit Memo.
Standardize presentations, reduce prep time

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

11. Customize the Model.
11
Establish performance targets, model parameters for your bank

12. Pricing Optimization.
12
Compare to proprietary market rates to support decisions

13. Reporting.
13
Filter and track loans for audit purposes

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

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

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

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

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

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

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

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

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

23. Stress Testing.
Institution, concentration or global relationships

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

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

26. Reporting.
Built-in documentation for risk assessments

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

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

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

30. Documentation.
Clear & defensible documentation

31. 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

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

33. Data Centralization.
33
Archives info on concessions, new loan terms, dates from core system

34. Payment History.
34
Easily review payment trends, share with examiners

35. Optimize Concessions.
35
Compare different TDR scenarios to find most efficient concession

36. Sageworks Bank Information.
Simplify peer analysis & benchmarking

37. Peer Comparisons.
Analyze key metrics

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

39. Reporting.
Easily export industry data with visuals

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

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

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

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