The Benefits of Modernizing the Commercial Credit Decisioning Process

Today, the data from the loan decisioning process for complex commercial credit facilities is still rarely aggregated in a searchable, reportable, and auditable system – even at sophisticated banks.

Regulators and auditors expect banks’ data submissions to be more detailed than ever before. However, many banks still labour under outdated credit decisioning systems – black holes in which valuable loan data disappears and can no longer be used for critical processes such as stress testing.

This white paper explains the benefits of an online decision system to deliver higher returns on risk while making regulatory compliance easier and cheaper.