Commercial Credit Risk Management
Boost profitability through powerful credit and operational risk management with CreditQuest. CreditQuest® is an end-to-end commercial Credit Management System that brings origination, financial analysis, underwriting, documentation and executive reporting together in a collaborative, streamlined workflow. It combines a unified, relationship-centric view of the customer's financial data and supporting documents with portfolio management capability. Data from CreditQuest passes seamlessly to LaserPro®, Harland Financial Solutions' industry-leading documentation solution.
CreditQuest is composed of four key functional areas, supported by a robust Report Manager and over 40 standard reports. Click on a link for details:
CreditQuest integrates with the Fair Isaac® Small Business Scoring ServiceSM to help your institution identify and avoid losses at the time of application.
CreditQuest® Express Implementation
Current economic conditions and the uncertain outlook have undoubtedly led to a realignment of priorities and goals for nearly all community and regional banks. There are now new challenges and “new realities” confronting institutions in the realm of credit risk management. Harland Financial Solutions can help with risk management solutions that are geared specifically to community and regional banks. There is an urgency to implement risk management controls; therefore, we have designed CreditQuest® Express Implementation to put you in control of your credit risk as soon as possible. To view an overview of CreditQuest Express Implementation, click here. A comparison of CreditQuest Implementation versus CreditQuest standard is available by clicking here.
View a chart that provides an overview of the end-to-end functionality provided by the CreditQuest Credit Management System.
For more information, please contact us at moreinfo@harlandfs.com or call 800-815-5592.
Credit Manager
Credit Manager is a complete solution for managing, reviewing and analyzing commercial credit applications, significantly reducing turnaround times while improving credit risk mitigation.
With Credit Manager you can:
- Reduce Turnaround - Automate routine tasks such as production of the Credit Memo; increase efficiency through an adaptive workflow, collaboration and information sharing.
- Mitigate Risk - Enforce credit management procedures and show compliance with internal procedures and controls through an audit trail.
- Improve Customer Service - Utilize aggregate information that supports the decision process, handling customer credit interactions in a relationship-centric view.
- Grow with the Needs of Your Institution - Rely on the latest Web technologies, a robust feature set, and secure and scalable architecture.
Financial Analyzer
Financial Analyzer is a next-generation financial statements management and analysis solution that enables financial institutions to manage credit risk efficiently and effectively. Financial Analyzer helps rate commercial customers by leveraging the information in their financial statements.
Use Financial Analyzer to:
- Gain Efficiencies - Quickly capture financial statements, automatically calculate financial ratios and generate instant reports.
- Access Powerful Analysis Tools - Evaluate a company relative to its industry peers or Risk Management Association data. Define financial statement templates for any industry.
- Communicate Your Findings - Produce customized summary or detailed reports of the analysis containing statements, comparisons, flexible graphs and user comments.
To view a brochure describing in detail the benefits of Financial Analyzer, click here.
Report Manager
With CreditQuest you can move from segregated silos of data to a single consolidated database. Report Manager is an integrated line-item reporting system that provides all the features you need to access CreditQuest data and prepare reports. Visual on-screen controls let you see and interactively work with formatting data columns, sorts, filters and masks; get exactly the query and output you desire and fit it to the output format you choose.
Use Report Manager to communicate your findings and generate executive reports:
- Standardize Information Views – Over 40 standard reports cover most areas of credit management, such as current and historical application activity, expiring credits, customer detail data, ticklers, covenants and much more.
- Control Access – Set up fine-grained security access to limit control over selected reports. Report templates can be made available for general use, and offer dynamic run-time filters for ad hoc analysis and searches.
- Build Your Own Merge Letters – Use multiple Report Manager reports to build and run your own merge letters, e.g. set up a single letter to combine all outstanding ticklers for a customer.
- Export Data in Multiple Formats – Flexible onscreen vs. print formats optimize report output as necessary.
Portfolio Manager
Portfolio Manager provides Senior Risk and Executive-level staff a tool for consistent analysis of their entire portfolio. Data can be viewed and reported on from the portfolio level down to the single customer.
Perform credit portfolio management and risk analysis with Portfolio Manager:
- Answer Tough Questions - Identify asset concentrations, relationship profitability, industry sector exposures and trends, credit risk at the portfolio or customer level, and business volume changes.
- Track Activity Levels and Profitability - View historical banking activity levels, perform trend analysis, highlight irregular trends or sub-par performance and drill down to uncover the causes.
- Produce Results Faster - Create detailed and summary business intelligence reports in minutes, providing real-time data, graphs and comments in a clear and actionable format.
To view a brochure describing in detail the robust features of Portfolio Manager, click here.