Commercial Lending
Power robust, flexible business lending services
from a centralized core
Commercial Loan Origination
Streamline lending services, deepen customer relationships
Bidirectional interface
Reaches into centralized core to pull customer data
Imports updates directly in Cores
95% of data synced
Autocheck for changes during import
Deep integration with Laser Pro and Compliance One
“This software saves me hours and automatically updates customer data in the core.”
Laurie Leighty · SVP
American Riviera Bank
California
Commercial Servicing
Service commercial payments, borrower inquiries, P&I, escrow and more
Flexible Payment Schedules
Set flexible payments, track loans and lines of credit, and reverse payments as needed.
- Integration with bill records
- Unlimited number of schedules
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Schedule types include:
- Level P&I
- Interest only
- Principal and Interest
- Multiple and irregular
- Payment skips
Escrow Processing
- Flexible disbursement capability
- Automatic escrow analysis
- Automatic escrow preliminary analysis
- Ability to update all escrow records on one screen
- Ability to run test escrow analysis on accounts
Payment Reversals
- Reverse one or multiple transactions for one screen
- Reverse all transaction types, including payoffs
- Complete reversal transaction tracking
- User-selected screen navigation
- Reversed transaction following for easy re-posting
- Exclude reversed transactions from customer view
Delinquency Processing
Improve your recovery rate on at-risk accounts
Supervised and Classified Tracking
- Track loans at risk of non-payment
- Maintain loan risk information
- Track risk, reserve and borrower’s information and background
Partial and Full Charge Off
- Complete partial and full charge off tracking
- Easy payment processing
- Dedicated monitoring
Shadow Accounting
- Charge off and place in shadow in one step
- Monitor and track customer and bank transactions separately after payment
- Easy payment processing
- No change to customer look
Non-Accrual
- Complete partial and full non-accrual tracking
- Easy payment processing, dedicated monitoring
- Control accrued interest
Delinquent Messaging
- Document all customer communications
- Monitor and deaccession all documentation
Participations
Manage and track data on multiple investors and loans
Support participations types, including pro-rata, FILO and LIFO
Dedicated tracking at the investor or loan level
Automate participant payment processing
Multiple participants per loan is supported
Utilize a participating holding account
SBA & Guidance Line
Take advantage of SBA resources to support small businesses
System produced 1502 Colson Report
Dedicated reporting for activity and balances
Create and monitor guidance lines
Collateral Tracking
Maintain and manage commercial loan collateral information
- Unlimited records at customer or account level
- Track collateral value, unique addresses and mark for tax reporting
- Tie and copy records to multiple customers or accounts
- Track review and expiration dates
- Track additional collateral components using bank defined fields
- Designate collateral, lien position and 1098 reporting indicator
- Flexible search for quick record lookups
