CASHProfit provides lenders and underwriters an easy to use framework to consistently price loans to meet organizational goals for return on assets and investment, both before and after taxes. The result – pricing that consistently meets bank goals from deal-to-deal and from lender-to-lender.
As a fully scalable enterprise solution, Profit offers the ability for groups of users to share data and analysis regardless of where they’re located. And Profit works seamlessly with Microsoft Office® products like Excel, Word, Access and Outlook. Incorporating data and risk assessments in credit memos, credit reviews and more is a snap.
Whether discussing pricing options with the senior lender, loan committee or prospective clients, Profit proves an invaluable negotiation tool.
Features
Profit enables Senior Lenders and CFO’s to set pricing parameters to ensure that loan assets are priced to achieve target returns on assets and equity. Pricing parameters are designed to include both direct and indirect costs to assure target profitability. This includes the inherent costs associated with recovering losses on loans of similar risks throughout the portfolio.
While administratively maintained system parameters establish a consistent framework for pricing, users retain the flexibility to override parameters to properly reflect transaction and relationship factors.
In addition to profitability measured and reported for each loan, Profit reports relationship profitability including net income on all loans, deposits and fee services. Goal seeking provides the ability for lenders to easily trade off interest rate as against loan fees and/or earnings on deposits and services.
All too often loans are priced to meet the competition, resulting in inconsistencies that compromise profitability. At issue is the ability to be able to support pricing as proposed. Profit is the perfect tool facilitating negotiations both between lenders and the loan committee and the prospective client.
CASHProfit. Price optimally.
