A day in life of Commercial Lending Superheroes

We will not talk about recession.

STRONG FOUNDATIONS.

WITH

Old news.And, boring!

They even made movies on it!

We will not talk about resurgence of

commercial lending.

Old news, again.

And, beaten to death!

Commercial Lending has always been a People-driven business.

Let’s talk about them…, People. A bit.

Let’s take your Customers. First.

Rodriguez. Businessman. Real Estate. Values Cash and Speed!

Rodriguez Seeks competitive rates & long term flexibility. Looks to build relationship.

Linda. Vice President. Business Finance. Values Visibility on C&I loans.

Linda Seeks clear reports and dashboards. Hates surprises.

David. Resturantuer. Owns Two Cafe’s. Values Dependability!

David Seeks working capital. Looks for long term value. Wants to focus on his business.

They have teams working with you.

Easy. Right?

Wrong!

Let’s look at…

…A day in life of your people.

Not so easy!

Steve. Relationship Manager.

Wants to focus on Customers and Business.

Steve likes to…

…be on the road…

Spending time with Customers

Working on deals…

Working on prospects, their profiles, their motivations, their needs

Steve’s day in life…

…doing data entry, and re-entry…

…collecting documents, adding them to system

…ticking off tasks……reporting status…

…stuck at desk.

Elaine. Risk Officer.

Wants to focus on Compliance and Financial Health

Elaine likes to…

Keep on top of

risk profiles

Have data and context handy…

Keep Compliance

in check…

Proactively manage risks & maintain financial health.

Elaine’s day in life…

…hunting around for information, digging documents, reconciling data…

…dealing with inaccuracies…

…trying to balance risks and growth in absence of a single window and single version of data.

Sam. Head - Credit.

Wants to focus on Business and Operations.

Sam likes to…

…WIN!

be on top of situations…

Keep updated on the go…

work with people, have time for thinking ahead…

Sam’s day in life…

…dig around for important

documents and updates…

…at loss for information

…run around……handle escalations…

…feel stuck.

Laura. Credit Analyst.

Wants to focus on Compliance and Credit.

Laura likes to…

…Have all the information to establish creditworthiness…

Be Efficient…

Be Correct in Decisions…

Laura’s day in life…

…dig around for important

documents and client

data…

wait for collaterals and client information

deal with errors… revise for new data from RMs… handle complexity…

Your superheroes need help!

Steve

Needs help freeing up his time. Use mobile, use digital documents, use workflow, use online channels.

PS: Steve knows Rodreguez, Linda and David need his time. They have plenty to offer if he can focus on them.

Elaine

Needs help access data and documents digitally on demand. She needs a single window for all client data, risk profiles and pricing spread.

PS: Elaine has to maintain a fine balance between risk protection and business growth. She knows loan defaults and compliance are concerns best handled proactively.

Sam. Head - Credit.

Wants to focus on Business and Operations.

Sam

Needs help getting visibility across Credit Lifecycle. He needs smoother lending processes, flexible to client needs and with visibility for him.

PS: Sam knows lending business is about not letting customers down. He has heard that automated process management with straight through processing helps.

Laura. Credit Analyst.

Wants to focus on Compliance and Credit.

Laura

Needs help getting the customer context. All customer documents and data to be accessible at one place, so she can make timely decisions.

PS: Laura deals with various customer profiles. Every customer is unique, and credit-worthiness - despite all systems, rules and checks - is a critical decision making activity.

Commercial Lending is Complex.

Every Customer is Unique.

Processes are People-Intensive.

Operations are Document-Intensive.

Lending Decisions are Rules-driven.

What’s the solution?

Complex Unique People-intensive Document-intensive Rules-driven

Automation. Obviously

Complex Unique People-intensive Document-intensive Rules-driven

Automation. Obviously

Process Automation

Straight-through Processing

Digitization

Credit Lifecycle Management

Mobility

Automation. Obviously

Process Automation

Straight-through Processing

Digitization

Credit Lifecycle Management

Mobility

What stops you from doing it?

Let’s talk about you…

Jeff Business Technology Guy

Wants to focus on Improving Business and Delivering Solutions.

Jeff Business Technology Guy

Wants to focus on Improving Business and Delivering Solutions.

You’re probably the CIO. You could be anyone in your organization - so long as you want to use Technology to help people. And why not?!

Jeff likes to…Discover and Build Solutions.

Be Correct in Decisions…

Help Business Deliver

Jeff’s day in life…

Avoid HeadacheHandle an unforeseen issue

Fix something broken

Rejoice

Automation. Obviously

Back to the question.

What stops you from doing it?

Too Large to handle.

Too Complex to conceive.

Too Expensive to undertake.

Too Expensive to undertake.

Too Chaotic for Change Management

(Jeff), you are probably right.

But, what if there’s a way out?

Time to introduce…

Robert.

Bob. Head - Technology

Wants to focus on Delivering Business Technology.

Bob,

Needs a Technology Solution that is truly digital - automates credit lifecycle, provides devops agility, minimizes headaches.

PS: Bob knows commercial lending has lagged automation and that has to change. He cannot throw the baby with bathwater, though.

Not Large. Not Expensive.

Best of Build v/s Buy. Ready Framework.

Phased Implementation.

One process at a time. Faster time to market.

Manage Change.

Show & Set Expectations. Agile Implementations.

Modernize Legacy.

New Age Automation Platform. Cloud Deployment and Mobility.

But, what’s the solution?

Complex Unique People-intensive document-intensive Rules-intensive

first step, look for the solution!

Complex Unique People-intensive document-intensive Rules-intensive

How do you find the right solution?

Ask 10 Questions. See Clearly.

Does it automate your end-to-end commercial

lending process?

1

Hint: Process Automation. Straight-through Processing. Workflow. Document Management.

Does it unify all your lending

requirements in one platform?

2

Hint: Single Window. Dashboards.

Does it let you build your own

functional differentiators?

3

Hint: Customization. Time to Market. Change Management.

Does it digitize your manual and paper-

heavy processes?

4

Hint: Transactional Content. Document Management. Contextualized Processes.

Does it accelerate

deployments for faster time

to market?

5

Hint: Process Framework. Agile. Configurable workflows and business rules. Rapid deployment.

Does it allow automation and configurability

of credit policies?

6

Hint: Process Automation. Business Rules Management.

Does it integrate seamlessly to core banking

& legacy systems?

7

Hint: Straight-through Processing. Web services. Open API.

Does it enable compliance

through proactive management?

8

Hint: Dashboard. Single Window to all data. Accessible context.

Is Mobility a seamless

interface in the lending process

platform?

9

Hint: Mobile Applications. Mobile BPM. Data and Document Access.

Does it empower people and

enable better decision making?

10

Hint: Case Management. Exception handling. Agile Processes. Workflow.

Find the solution!

Complex Unique People-intensive document-intensive Rules-intensive

Help your Superheroes!

Complex Unique People-intensive document-intensive Rules-intensive

Including the one in the mirror!

Get the Guidebook!

THINK COMMERCIAL

LENDING. THINK

NEWGEN.