Accelerate your commercial lending with best-in-class technology

PrecisionLender is the world’s leading commercial pricing & profitability management platform for high-performing banks who need to optimize and balance growth, risk and profitability

Andi - every banker's dream analyst

Meet Andi, every banker’s dream analyst

Data isn’t valuable unless it delivers specific, actionable information to the right people, at the right time.

Few banks have the ability to generate actual insights from their data sets, and even fewer can deliver actionable and prescriptive intellgence from it.

Andi changes all of this.

Leveraging artificial intelligence and machine learning, Andi offers proactive, specific and actionable intelligence to users at the exact moment they need it.

She’s your ideal analyst – working with you as you price each opportunity, showing you how to make the deal work, recommending other structures and even identifying and highlighting opportunities to expand a relationship.

The best part? Andi learns from the thousands of opportunities priced in PrecisionLender each day. She can apply that knowledge to help you win more deals, track the competition and monitor performance of each portfolio.

The Value of the Full Opportunity

Easily understand the profitability of each deal item in an opportunity. When you can see the impact, you can differentiate yourself as more than a commodity.

PrecisionLender Profitability Wizard
PrecisionLender Profitability Wizard

Capture Multiple and Competitive Scenarios

Generate multiple pricing scenarios (fixed rate, floating rate, adjustable rate, no-fee, with/without deposits, and more) that work for the borrower and the bank. Discover how to compete against the bank down the street.

Product Management

Things change. Rates change. Risk factors for each different risk grade change. Sometimes, things even need to change across different pricing regions. PrecisionLender makes it easy to manage products and their assumptions across regions and throughout time without ever “moving the goalposts” for deals that are in the pipeline.

PrecisionLender product management
Salesforce Integration

Integrated Ecosystem

Accelerate decisions by integrating smoothly with existing tools. Whether it’s Salesforce, Microsoft Dynamics, or your core systems, PrecisionLender makes other tools more valuable when lenders price directly from the CRM.

PrecisionLender web based

Cloud-Based

There is no hardware or software to maintain or install at your bank. Your lenders have the flexibility and power to price opportunities whenever and wherever your clients need them to. The application is hosted in world-class, secure data centers within Microsoft Windows Azure.

Unlimited Support and Training

Your success is our success. In addition to live one-on-one training and consulting to your bank, we offer an extensive online support center and resources focused on ways to use the platform.

Risk-based Pricing

Accurately and consistently getting paid for risk in today’s environment is critical to success. But how do you remain competitive on the highest quality loans and get paid appropriately for the risk of lower quality credits?

PrecisionLender quickly and consistently factors risk into your pricing by adjusting risk-based capital and provision based on…

  • Borrower credit grade (PD)
  • Exposure (EAD)
  • Duration of Exposure (Maturity, M)
  • Loss Given Default (LGD) based upon amount and quality of collateral and guarantees

…and all of this can be easily managed across multiple regions and products. Best of all, PrecisionLender’s amazing consulting team will completely customize and calibrate all of this for your bank in your markets to meet your needs.

Custom Risk Grades

Custom Risk Grades

PrecisionLender uses your bank’s risk grades for risk-based loan pricing while giving you the power to vary these risk grades by product and by region. When you sign up, our consulting staff helps you calibrate the appropriate risk-based capital and provision for your bank, for your products and for your markets.

PrecisionLender collateral

Collateral

The type and amount of collateral have a direct impact on a loan’s Loss Given Default (LGD) and, as such, have a substantial impact on pricing for risk. PrecisionLender allows your lenders to immediately know the pricing impact of any change in Loan-to-Value (LTV).

PrecisionLender guarantees

Guarantees

Guarantees have a major impact on the risk in any pricing opportunity, but not all guarantees are equal. PrecisionLender makes it easy for your lenders to incorporate the impact of both government (riskless) and personal (risky) guarantees in their pricing decisions.

PrecisionLender Credit Migration Risk

Credit Migration Risk

PrecisionLender makes it simple to factor in credit migration risk by varying credit capital and provision based on the duration/ maturity of the credit exposure. The longer the duration, the greater the risk of migration to a lower credit grade and need for more risk-based capital and provision.

PrecisionLender Interest Rate Risk

Interest Rate Risk

Duration matched funding is at the heart of any credible loan pricing model. PrecisionLender match-funds each individual principal cash flow to determine the precise interest rate risk adjusted cost of funds for each loan. This allows your lenders to quickly find alternative rate structures that work for the borrower and still work for the bank.

PrecisionLender Prepayment Risk

Prepayment Risk

How do you currently factor in the strength or weakness of a prepayment penalty in your pricing decisions? PrecisionLender provides the ability to factor prepayment penalties directly into the pricing of loans.

PrecisionLender caps and floors

Caps & Floors

The threat of rising rates is causing many lenders to consider adjustable and floating rate loans a lot more often. When you offer one, do your borrowers ask for a cap? Does your bank insist on a floor? Do you know how either affects the profitability of the deal? PrecisionLender quantifies the cost of caps, the value of floors, and most importantly, their impact on profitability.

Relationship Management

With PrecisionLender, loan officers have everything they need, right at their fingertips, so they can focus on understanding what the borrower is trying to accomplish, and then handcraft a solution that’s “just right” for them. It’s the quality of those lender/borrower interactions that separates transactions from true long-term relationships.

How much is a specific customer worth to your bank? How much is that customer worth to your competitor? How have you priced this customer in the past? Wouldn’t it be nice to know?

PrecisionLender relationship

How much would it hurt if you lost that particular customer? Does it make sense to trim the margin on the current pricing opportunity if it means keeping the relationship? In these competitive times, your lenders are facing such decisions daily, and if you’re not providing data to answer their questions correctly, you’re likely seeing money walk out your doors, right into the arms of your competition.

PrecisionLender Relationship Data

Relationship Data

Automatically feed relevant account data for loans, deposits and other fee-based business directly into PrecisionLender from your core system or other systems. PrecisionLender computes the current profitability (we call it Strategic Value) of each account and of the entire relationship.

PrecisionLender Relationship Impact

Relationship Impact

When pricing a new opportunity for an existing relationship, it’s incredibly valuable to know what the relationship is worth TODAY, what things will look like if we WIN, and perhaps most importantly, what things look like if we LOSE. By identifying existing accounts that are either “At Risk” or that would be Paid Off by new business, PrecisionLender shows you exactly what impact your decision will have on the relationship… and the bottom line.

PrecisionLender Strategic Value

Strategic Value

In PrecisionLender, Strategic Value is the current value of existing loans, deposits, and other fee-based transactional accounts for a customer. It represents what your relationship is currently worth… to your competition. This is how much you stand to lose and how much your competitor will certainly use against you pricing that next deal. More and more today, lenders are trying to play defense. With clear knowledge of the Strategic Value of each relationship, they are no longer in the dark.

Pricing Management

At the heart of the PrecisionLender Pricing Management system is one of the most powerful and flexible loan and deposit pricing models in the world. We make use of the latest industry-wide best practices and standards for modeling loan, deposit and relationship profitability. What makes PrecisionLender truly useful however, is the flexibility to manage all of this easily over time, across regions and throughout your portfolio.

Achieving positive results requires much more than just the best financial modeling. At PrecisionLender, we focus on what we call the 3 “M”s: the Modeling, Management and Monitoring necessary to achieve outstanding results and to provide you with a complete Pricing Management system… not just a model.

PrecisionLender Pricing Management

All models are wrong. Some models are useful.

Truer words have never been spoken. At the heart of the PrecisionLender Pricing Management system is one of the most powerful and flexible loan and deposit pricing models in the world. We make use of the latest industry-wide best practices and standards for modeling loan, deposit and relationship profitability. What makes PrecisionLender truly useful however, is the flexibility to manage all of this easily over time, across regions and throughout your portfolio.

Achieving positive results requires much more than just the best financial modeling. At PrecisionLender, we focus on what we call the 3 “M”s: the Modeling, Management and Monitoring necessary to achieve outstanding results and to provide you with a complete Pricing Management system… not just a model.

PrecisionLender Fully Regionalized

Fully Regionalized

Every aspect of PrecisionLender is 100% regionalized. Do you need a different ROE target for Commercial Real Estates loans in Florida than in North Carolina? Not a problem. Different tax rates, funding curves, expenses, risk factors? Again, we make it easy to manage.

PrecisionLender Assumption Tracking

Assumption Tracking

Suppose your view of risk for HELOCs changes – projected loss rates are climbing and you need to adjust your risk factors in your loan pricing model. How do you deploy this change out to your lenders? How do you “cut it in” so that you honor the deals already in process? PrecisionLender tracks all assumption changes making them effective from that moment in time forward, ensuring that you always have the latest assumptions but never “move the goalposts” on your lenders.

PrecisionLender Loan Rate Sheet Management

Loan Rate Sheet Management

Retail consumer loans and small business loans are often priced directly from a rate sheet instead of individually priced like larger commercial loans. With PrecisionLender you can easily create and manage loan rate sheets with pricing that spans terms, tiers and risk grades. Each rate is computed instantly to meet the desired return target. Publish rate sheets with one click and track the history of all publications throughout time and across regions. Support pricing decisions for UDAAP or Fair Lending loan pricing reviews.

PrecisionLender Deposit Rate Sheet Management

Deposit Rate Sheet Management

PrecisionLender makes it simple to create and manage deposit rate sheets for any interest bearing deposit account types. As with loan rate sheets, each rate is computed instantly to meet the desired return target. Publish rate sheets with one click and track the history of all publications throughout time and across regions.

PrecisionLender Integrated Competitive Data

Integrated Competitive Data

Pricing is not a single player game. You can’t afford to let the competition set your pricing, but competitive awareness is essential to success. PrecisionLender provides world-class competitive rate survey information from Informa Research Services. For each offer on your loan or deposit rate sheet, know exactly what your competitors are offering and what your ROE would be if you matched them.

PrecisionLender MarginMonitor

Margin Monitor

How often do you check your rate sheets? Is it a cumbersome manual review process? In PrecisionLender each night we check all of the currently offered rates for your published rate sheets to ensure that they are still meeting your profitability objectives. If they are not, you get an email from us with the exact rates that need to be reviewed. With only a few clicks you are up-to-date and have re-published your rate sheet.

Tracking & Reporting

Do your people dread the end of the month or end of the quarter because of the reporting they must pull together? Not only is it looking in the rear-view mirror, but it’s time consuming. Frankly, despite their best efforts, how much of the information is really actionable? What do they do differently after all that reporting?

With PrecisionLender you can see trends and identify best practices like never before. See real-time production and pipeline information. Know what you are winning as you are winning it, not 30 days after you have won it. Know your projected funding needs for the next 30, 60, 90 and 180 days based on your actual pipeline. Know the production and have visibility into your pipeline of deals. Easily see what is on target and what is falling short.

PrecisionLender real time dashboards

Real-time Dashboards

When a user logs into PrecisionLender, the very first thing that they see is their individual performance dashboard. This shows their production, pipeline and profitability over time. Not meeting return targets: the lender’s bars turn red; exceeding them: the lender’s bars turn green. Simply providing this level of visibility and focus affects behavior and improves performance, often dramatically.

PrecisionLender pipeline tracking

Pipeline Tracking

Do you currently have visibility into your bank’s pipeline of opportunities? There is no substitute for it. Know what you are winning as you are winning it, not after it’s won. See what’s coming and adjust course. PrecisionLender provides real-time visibility into your pipeline by lender, region, risk grade, projected close date, stage, repricing duration…however you need it.

PrecisionLender production tracking

Production Tracking

PrecisionLender gives you the ability to see the complete picture of production, both volume and profitability, in real-time across the organization. Know exactly what’s getting booked, by whom and its profitability. We even take it a step further: with PrecisionLender, in addition to tracking the deals that your lenders win, you can track the deals lost, to whom they were lost and why.

PrecisionLender Funding Needs Reporting

Funding Needs Reporting

Export a report from PrecisionLender that shows your pipeline and your projected funding needs over the next 30, 60, 90 and 180 days. This comprehensive report factors in project close date, loan draw schedules and deal stage to produce both a factored and un-factored funding needs report that your Treasury department will love.