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Business Loan Origination

Manage all of your commercial and small business lending needs — from prospect to deal structure and credit analysis — in a single, web-based platform that automates and streamlines the business lending process.

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Consumer Direct & Indirect Loan Origination

Process consumer loans consistently and accurately with a proven, automated origination solution that conforms to your policies, mitigates credit risk and ensures compliance.

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Online Loan Applications

Our responsive turnkey Internet application is configured to your brand and accessed right from your website. We also offer two fully-custom solutions (a branch/Intranet option and an Internet option) that pre-populate applicant data and facilitate information sharing.

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Statement Spreading

Make solid credit decisions with confidence with this core component of the Baker Hill platform that establishes a consistent process for understanding and managing your clients' credit risk through sound financial analysis.

Business Loan Origination

  • Judgmental decisioning
  • Pipeline management
  • Correspondence / letters
  • Statement spreading
  • Pricing — ROA, ROE, RAROC
  • Credit memos
  • Credit policy rules
  • Compliant application documents
  • Automatic OFAC (Lexis Nexis)
  • Automatic flood search
  • Pre-funding tracking
  • Post-closing
  • Configurable page templates
    • NADA valuation interface
  • Configurable workflow
  • Automated cash flow calculations
  • Debt service coverage calculations
  • Small business Scoring options
  • Auto-decisioning

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Consumer Direct & Indirect Loan Origination

  • Automatic OFAC (Lexis Nexis)
  • Automatic flood search
  • Configurable workflow
  • Configurable page templates
  • Risk based Pricing
  • Scoring — bureau and pooled data
  • Credit policy rules
  • Auto-decisioning
  • Cash flow calculations
  • Debt ratio calculations
  • Compliant application / decision docs
  • NADA valuation interface

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Online Loan Applications

  • Small business and consumer direct loan origination features plus
  • Branded to your financial institution
  • Fraud prevention / customer authentication option
  • Data Interchange
  • Automated doc prep export
  • Imaging system integration

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Statement Spreading

  • Historical statement spreading
  • Covenants (standard and custom)
  • Statement reporting
  • Credit memo
  • Projections
  • Commercial Real Estate
  • Global Cash Flow
  • Stress testing for individuals / portfolio
  • Peer reporting

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Exception Tracking

Automate the portfolio management stage of the relationship cycle while protecting the quality of your loan portfolio with a consistent process for managing risk across all lines of business.

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CRM

Attract and retain valuable clientele with a solution that combines business processes and client information across all departments, integrating data into one simple tool.

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Portfolio Risk Management

Manage and automate complex processes across your entire portfolio while maintaining sound credit quality through continuous risk management.

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Compliance Doc Prep

Backed by an industry-leading compliance warranty, this end-to-end solution manages the entire loan process from origination to closing to help you take the transaction risk out of lending.

Exception Tracking

  • Pre-funding tracking
  • Financial statement tracking
  • Collateral tracking
  • Document tracking
  • Checklists (included with business loan origination software)
  • Policy exception tracking
  • Mass correspondence

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CRM

  • Opportunity / pipeline management
  • Client / contact management
  • Activity reporting
  • Activities / tasks / calls
  • Outlook Integration
  • Sales correspondence
  • Activity planning (treatment strategy)
  • Email correspondence
  • Prospecting with data
  • Referral management

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Portfolio Risk Management

  • Basic loan rules
  • Basic deposit rules
  • Basic cross-sell rules
  • Basic score rules
  • Advanced loan rules
  • Advanced deposit rules
  • Advanced cross-sell rules
  • Annual review tracking
  • Advanced score rules
  • Trouble debt review tracking

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Compliance Doc Prep

  • Warranted compliance doc generation
  • Transaction risk management
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Data Interchange

Speed up the loan origination process and improve efficiency by integrating data across platforms and processes.

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Analytics

Highlight the products and services that generate profitability and enable your organization to capitalize on their performance.

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Omni-Channel Marketing

Target prospects and track results more accurately and effectively with our automated approach to lead generation and omni-channel marketing.

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Matrix Marketing

Increase the profitability of existing relationships and boost retention using targeted modeling and analytics to select and deliver ongoing marketing messages.

Data Interchange

  • XML interface
  • Automated doc prep export
  • Imaging system integration

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Analytics

  • Dashboard creator and manager
  • Data consolidation
  • Dynamic lists
  • Executive books
  • Executive strategic reports
  • Standard reports generator
  • Behavior analytics
  • Multi-dimensional search
  • ROI analyzer

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Omni-Channel Marketing

  • Omni-channel closed loop marketing
  • Omni-channel fulfillment
  • Omni-channel marketing automation
  • Omni-channel message delivery
  • Omni-channel results manager
  • Digital advertising
  • Management and scheduling of targeted campaigns
  • Dynamic lists (target list creation)
  • Marketing results dashboard—with ROI analyzer
  • A/B testing
  • Demographic data append
  • Business graphic data append
  • Agri-graphic data append
  • Geographic data append
  • Economic data append

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Matrix Marketing

  • Targeted modeling
  • Growth strategies
  • Response rate optimization
  • Identify new markets—in both retail and business
  • Identify new opportunities
  • Drive wallet share
  • Demographic append
  • Business append
  • Agri-graphic append
  • Complete analyst support

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