CASHReward enables senior lenders, portfolio and risk managers the opportunity to formalize underwriting and risk management policies for all types of transactions. Reward provides lenders and underwriters a framework to consistently make loan decisions based on organizational best practices. The result – reduced loan loss and increased profitability
As a fully scalable enterprise solution, Reward offers the ability for groups of users to share data and analysis regardless of where they’re located. And Reward 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 underwriting and risk management policies with staff or with auditors and regulators, Reward proves an invaluable tool. Reward even produces comprehensive Risk Management Procedures Manuals based on its Risk Models to facilitate staff training and better assure adherence to risk management policies.
Features
Reward is designed to support any organization’s loan grading system. Each risk assessment results in a loan grade tying directly to the organization’s loan grading scale. Because risk models are crafted to reflect organizational best practices, loan grades may be reliably aggregated to determine portfolio risk levels.
Reward’s risk models can automatically assess the financial performance of businesses (on an industry specific basis) and individuals (for both financial statements and tax returns) based on data and analysis entered in and created by CASH Insight. And Reward automatically updates risk assessments when new financial data is available.
Reward provides the ability to set parameters to assess non-financial risk as well. So whether considering the local, regional or national economy, industry trends, management depth and experience, borrower and guarantor character or other non-financial risk elements, Reward provides a framework within which to consistently assess risk and grade loans.
Adjust risk policies as market conditions and portfolio needs change. Reward can reassess transaction and portfolio risks at any time. Reduce staff training while at the same time enhancing consistency to ensure increased productivity, reduced loan losses and enhanced profitability.
And Reward’s data and risk assessments are available to all other CASH Suite programs. Data entered once is available everywhere. Imagine financial data and analysis created within CASH Insight driving risk assessments and loan grading using CASH Reward. And risk ratings and loan grades driving risk-based loan pricing using CASH Profit. And the ability to manage the portfolio using data entered and analyzed within the CASH Suite using CASH GlobalView.
CASHReward. Manage risk!
