OnePoint Credit Risk Management is a world-class financial statement analysis tool that makes credit part of an end-to-end lending process.  This piece of OnePoint provides financial spreads, loan covenant tracking, projections, risk identification, credit memorandum, and portfolio reporting. Our integrated Credit Memo utilizes Microsoft Word to pull customer information directly from OnePoint to quickly build your customized Credit Memo. The credit team is now sharing a tool with the relationship managers, providing a single point of electronic information about each client.