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Lending Cloud is an innovative, fully integrated, credit management solution used by over 800 US banks and credit unions. Flexible enough to handle commercial, agricultural, and small business lending, its cloud-based, software-as-a-service (SaaS) delivery model makes Lending Cloud easy to implement and use in a range of settings and institutions.
- Make credit decisions with integrated financial spreading on flexible templates, plus debt schedules and collateral analysis for all loan types.
- Perform credit analyses with built-in credit scoring configured to your credit policies and risk rating rules.
- Approve credits using deal information in multiple configurable formats, stored electronically and accessible through one central system.
- Manage portfolio risk with a dashboard that includes patented portfolio shock and stress testing capabilities.
- Service and monitor credits with covenants, ticklers, and exception management.
- Integrate web-based services with core systems, loan doc systems, and third-party data.
- Migrate data from legacy systems; allowance for loan and lease losses (ALLL) calculations and workflow capabilities are available as optional modules.
- Access cloud-based, single source, multi-tenant technology, hosted on a highly secure and scalable infrastructure.
- Capture operational efficiencies from a single, scalable solution that covers all your commercial, agricultural, and small business loans.
- Make better and faster credit decisions with improved standardization across the portfolio, based on automated and auditable processes.
- Quantify portfolio risk by looking at concentrations along several attributes; conduct loan-level stress testing to show how specific factors affect risk exposure.
- Respond confidently to auditors and regulators on data quality issues with an automated system that eliminates error-prone manual processes and backs up loan data automatically.
- Leverage a flexible and configurable workflow to fit your specific lending practices in either an integrated or modular approach.
- Take advantage of regular enhancements and new updates the day they become available without additional IT burdens.
Learn how Lending Cloud can streamline your underwriting processes and help you make more profitable loans, faster. We would be happy to give you a personal demonstration of the solution.
Automating the process of financial spreading and credit scoring increases loan application volume and helps lenders make better credit decisions.
Our commercial lending solutions are flexible and robust enough to support whatever loan structures, pricing, or conditions you require to reduce risk.
Proactively monitoring the financial health of borrowers and the risk level of your loan portfolio increases the profitability of your lending business.