CreditComplete^© is a spread and financial analysis tool designed and created for commercial, real estate and consumer/principal  customers offering a feature rich solution as compared to other, more expensive, alternatives. This is a unique product since it combines loan, financial spreading facilities, covenant monitoring using ratio and cash flow history, and bureau data that can be analyzed based on the users policies and procedures. This history, not available in competitive products, can also be used to create early warning reports based on user defined parameters that will enhance your credit and risk management. Forecasting and sensitivity facilities are also a part of the base product. Best of all, this superior products costs per year will be less than any other comparative product, and there is no limit on access, number of users, or the amount of history that can be maintained.

FINANCIAL ANALYSIS MADE EASY:

• Detail Spreads - Corporate, Commercial Agriculture, Real Estate, Leasing, Individual Guarantor, Consumer and more that you design
• Import from other spread systems for conversion
• The Complete database/repository links to other data sources and reporting tools
• Spreads that may vary by product, industry, etc. through scripts created specifically for each client
• History for all statements, cash flows, ratios and spreads allowing production of early warning reports based on virtually any combination of user defined changes in position
• Migration and comparative analysis/trends
• Relationship ties for financial rollups
• WEB enabled for access via your intranet for inquiry, applications and more
• Scoring for rate and risk assignment
• User defined ratios to track financial covenants, automatic and right in the spread grid.
• User defined early warning analysis using the cash flow and ratio history
• Comparison to RMA industry standards
• Full forecasting of all spreads
  • Change by percentage
  • Change by actual dollars
  • Perfect for 'what if' analysis
  • Changes automatically reflected in ratios and cash flow reports

COMMERCIAL REAL ESTATE

• Custom spreads for commercial real estate
• Sensitivity/Forecasting
  • Income property
  • Builder/developer
• Progress monitoring

BUREAU REPORTS AND ANALYSIS TOO:

• Can link to Commercial D&B database
• Eliminates duplicate orders
• All elements of report kept for scoring and analysis
• User designed scoring/pricing scripts
• Migration and comparative analysis

SCORING/QUALIFYING BY SIZE AND TYPE:

• Create scores, risks and pricing weighting Bureau and Spreads
• Use Bureau scores and RMA comparisons as part of rating
• Create scripts by size and type of customer, loan and exposure
• Standardizes the entire process by product, industry, or policy

MORE EFFECTIVE MARKETING:

• Special spreads and scripts to qualify prospects to maximize efficiency through the WEB (internet or intranet)
• Retention of data throughout the marketing cycle
• Unlimited spreadsheets
• Passing of the data to underwriting
• Data used to prepare worksheet
• Import/Exports are easily implemented

For more information, contact us today!