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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 mortgage 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
  • 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
 

Have Questions?

Talk to a member of our team or request a demo

 
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Created by Community Banks for Community Banks

 
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