Independent Banker - July 2023 - 16

ADVERTORIAL
IntelliCredit™: Your ally in managing
growing credit uncertainties
by David H. Ruffin, Principal, IntelliCredit™
ecent high-profile bank failures,
while not prototypical community
banks, have undoubtedly unleashed a
fear of heightened regulatory scrutiny of
lending risk protocols. With inflation and
interest rates inevitably weighing down
credit performance, it will be imperative
for bankers to get ahead of regulators in
writing their own script for how they're
managing credit risk.
R
Arming today's credit risk manager
Writing your own credit script requires an
understanding of your idiosyncratic loan
data-your DNA-and banks typically
rely on manual processes to uncover
these insights. In addition, assuming good
initial underwriting, effective post-booking
performance assessments are the real art
of loan risk management. These include
quantifications of industry concentrations,
pricing-for-risk, risk grading migrations, and
stress testing to name a few.
In most banks, these assessments are
determined from disparate activities
and vendors-and some are still largely
driven by one lone metric: delinquency.
These methods are inefficient and lack
the information that a credit risk manager
needs to be effective in today's uncertain
environment.
IntelliCredit - an ICBA Preferred
Service Provider solution
Our name says it all. More accessible credit
intelligence. Designed and supported
by experienced credit professionals,
IntelliCredit has solved this conundrum for
today's banker. We've combined our deep
expertise in best practices with online tools
that make work simple, organized and
easily repeatable. And we deliver insightful
analysis to help manage and mine your
bank's unique loan data so you can easily
identify emerging risk and minimize losses.
Options tailored to fit your risk
management preferences
IntelliCredit represents the most innovative
change in loan reviews and credit
intelligence in decades. We're not just
high-tech: we're also high-touch. Our
staff of experts has been in your shoes.
We can get you up and running quickly with
our solutions, or if preferred, can provide
guaranteed hands on-assistance through
our third-party loan review services.
David Ruffin is principal of IntelliCredit™, a division of
QwickRate®
, and has extensive credit experience in
the financial industry.
www.intellicredit.com
Here are the ways we're
helping banks navigate the
current credit climate:
Smart Loan Review™
* Third-party Loan Review-our
seasoned credit and documentation
specialists provide a highly
collaborative, less intrusive process
using an online tool that gives you realtime
transparency in exception clearing
and findings.
* In-house Loan Review-banks
perform their own independent reviews
using our online tool. Clients report
having doubled their productivity.
* Annual Reviews-use our
comprehensive template or append
your bank's custom-designed format.
* Stress Testing-banks can
companion with loan review to project
impact on risk-based capital.
Portfolio Analyzer
* Credit Intelligence-game-changing
tool for analyzing and assessing
emerging risks in your portfolio.
Empowers all aspects of loan review.
* Push-button Reports-for board and
management including custom reports.
High praise from satisfied bankers
" This is the most substantive and efficient loan review I've experienced in my entire career. IntelliCredit allows you to do your day
job while you're accomplishing a loan review. "
Michael Johnson, Chief Credit Officer, Dogwood State Bank, NC
" Portfolio Analyzer has been an invaluable tool. It provides the ability to track interactions with our borrowers - especially our
problem credits. This capability was specifically noted during a recent regulatory examination. "
Joel C. Sweren, Chief Financial Officer, Freedom Bank, NJ
Let IntelliCredit help your bank mitigate credit risk.
Request a loan review quote or demo of our solutions at intellicredit.com.

http://www.intellicredit.com http://www.intellicredit.com

Independent Banker - July 2023

Table of Contents for the Digital Edition of Independent Banker - July 2023