Independent Banker - November 2017 - 53

SPECIAL SPOTLIGHT
NEXT-GEN BANKING
Capture Growth and Maximize Effi ciency in C&I Lending
The high cost of reviewing small business loans
creates a return-on-equity challenge for community
banks. Many small business lenders continue to
look for innovative ways to effectively and accurately
manage their commercial and industrial loan portfolio
with the specifi c purpose of controlling risk, managing
staff and tracking accounts. Comprehensive
data and predictive analytics are key to driving better
decisions, streamlining the credit review process and
optimizing administrative effi ciency.
PayNet Credit Review ExpressTM
provides community
banks advanced fi nancial technology to monitor and
manage credit risk, track accounts and maximize
effi ciency.
10 benefi ts for next-gen banking that lower costs,
increase effi ciency and reduce risk in C&I lending:
* Classify borrowers by loan review type-light,
medium, or full.
* Identify and allocate necessary resources to accounts
considered higher risk.
* Apply lender's business rules to automatically segment
the portfolio into risk tiers.
* Increase the frequency of reviews for accounts in need
of action (e.g., four times per year).
* Establish rules to drive early warnings.
* Track accounts and coordinate action steps to mitigate
credit risk and drive effi ciency.
* Summarize portfolio performance trends over time, at a
glance.
* Reduce credit review costs for the portfolio by up to 50
percent.
* Reduce credit review costs for low-risk accounts by up
to 60 percent.
5750 Old Orchard Rd., Suite 300, Skokie, IL 60077
847-745-6062 | www.paynet.com I www.sbinsights.net
" At PayNet, we help
lenders increase
originations, mitigate
risk and streamline
operational effi ciencies
by employing a strategic
approach to C&I lending. "
- BARRY RIPES, MANAGING DIRECTOR,
PAYNET, INC.
* Assign PayNet Absolute Probability of Default® (APD) to
all accounts in your portfolio for risk ranking.
For more information about PayNet, visit www.paynet.com. For
a demo of Credit Review ExpressTM
aging director, at (847) 745-6062 or bripes@paynet.com.
PayNet, Inc. is the leading provider of credit ratings on
small businesses, enabling lenders to achieve optimal risk
management, growth and operational effi ciencies. PayNet
maintains the largest proprietary database of small business
loans, leases and lines of credit, encompassing more than
23 million contracts worth more than $1.5 trillion.
, contact Barry Ripes, man_____________

http://www.qmags.com/clickthrough.asp?url=www.paynet.com&id=20402&adid=P53A3 http://www.qmags.com/clickthrough.asp?url=www.paynet.com&id=20402&adid=P53A1 http://www.qmags.com/clickthrough.asp?url=www.sbinsights.net&id=20402&adid=P53A2

Independent Banker - November 2017

Table of Contents for the Digital Edition of Independent Banker - November 2017

Table of Contents
Independent Banker - November 2017 - Intro
Independent Banker - November 2017 - Cover1
Independent Banker - November 2017 - Cover2
Independent Banker - November 2017 - Table of Contents
Independent Banker - November 2017 - 2
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Independent Banker - November 2017 - Cover3
Independent Banker - November 2017 - Cover4
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