Commercial & Ag Lending Conference 2017
Commercial & Ag Lending Conference 2017 The Future of Lending: Leading Through Change Welcome Address
Jim Gleason Managing Director | Moody’s Analytics
New Events
Representation
Investments
2017 Increased Engagement Customer Growth
12%
US Bank Market Share
95%
Customer Retention Rate
Customer ROA
25%
Increase in Loan Records
Increased Activity
9%
Above Industry Average
Welcome & Company Update
2017 Increased Engagement Training, Staffing and Support
Customer Portal
Q4
Regional Events
3
Face-to- Face
30
Support Hours Face to Face Training Staff Increase
7AM – 7 PM CST
40% Welcome & Company Update
Total Cost of Ownership: On-Premise vs. Cloud
Welcome & Company Update
Cyber Information and Security Approach to protect our network, assets, and customer data » Application & Infrastructure Vulnerability[Patch] Management » Next Generation Firewalls » Data at Rest Encryption » Anti-Malware & Endpoint protection » Access Control & Distributed Administration » Network Intrusion Detection & Protection » Advanced Persistent Threat Analysis
» Disaster Recovery & Site Redundancy » FFIEC, SOC1, SOC2 & SSAE18 Compliant
» Security Information & Event Monitoring [SIEM] Welcome & Company Update
Product Enhancements – 2017 A year in review Automation
Integration
Application of Better Tools
Interoperability
Dashboards
Tax Return Import
MARQ Portal Deeper Integration
Steps toward Cross Browser Compatibility
Detailed Personal Analysis MARQ Small Company Score
Anywhere access
Credit Action Expanded Financial Templates
Rules Based Automation ALLL – CECL
RiskCalc New
Workflow / Ticklers
Enhanced CRE Functionality
Multi-Currency Multi-Lingual
Spreading Transparency
New New
Ag Scorecard
Lender Application
Commercial Breakout: Gaining a Competitive Edge in a Competitive Market
Product Enhancements - 2017 Tax Form Reader » Scan Tax Documents Automation
» Populate into Lending Cloud Spreading Grids with ease » Improve accuracy, save time and money
Tax Form Reader
Rules Based Automation
Workflow / Ticklers
Welcome & Company Update
Product Enhancements - 2017 Rules Based Automation Automation
» Establish Business Rules and steps to your loan process » Easy to use Interface guiding team members to accuracy and completion of work tasks
Tax Form Reader
Rules Based Automation
Workflow / Ticklers
Welcome & Company Update
Product Enhancements - 2017 Harness technology and data to re-invent small business lending NEW IN 2017 Integration
COMING IN 2018
MARQ portal
Auto-decisioning
Online loan application
Integrated decision rules based on lender’s parameters
Instant MARQTM business credit score MARQ Portal Deeper Integration
MARQ Small Company Score
RiskCalc
Automated spreading
Review and auditing capabilities
Lender application
Faster, more consistent decisions
Streamlined, mobile-enabled app for lenders and RMs Fast customer on-boarding in Lending Cloud
Visit the Small Business Lending demo stations to learn more
Automated processes with business rules Great customer experience
Consistent risk control and management
Seamless automation and integration Welcome & Company Update
Product Enhancements - 2017 Application of Better Tools Application of Better Tools
Dashboards Detailed Personal Analysis Credit Action ALLL – CECL Spreading Transparency
Welcome & Company Update
What’s Coming for Ag: » “Peer Benchmarking” for Ag (similar to RMA) – General Ag Data Pool – Accrual Borrowers only
» “Popular” Ag Risk Rating Criteria – Phase 1 – Most commonly used criteria
» “Best Practice” Ag Risk Rating Criteria – Phase 2 – Need: NAICS | Quality Data
» Ag Scorecards – Phase 3 – Better Risk Assessment during economic downturn
Welcome & Company Update
Thank You for Attending! Join us for the following activities » Bank Partner Showcase: Rock Canyon Partner - Speaking next » Keith Berry and Elaine Wong – Going Further Faster » Break out sessions » Demos » Get to know us: – Moody’s Analytics Employees are in attendance – Engage in discussions and ask them questions
Welcome & Company Update
Jim Gleason Managing Director | Moody’s Analytics
New Events
Representation
Investments
2017 Increased Engagement Customer Growth
12%
US Bank Market Share
95%
Customer Retention Rate
Customer ROA
25%
Increase in Loan Records
Increased Activity
9%
Above Industry Average
Welcome & Company Update
2017 Increased Engagement Training, Staffing and Support
Customer Portal
Q4
Regional Events
3
Face-to- Face
30
Support Hours Face to Face Training Staff Increase
7AM – 7 PM CST
40% Welcome & Company Update
Total Cost of Ownership: On-Premise vs. Cloud
Welcome & Company Update
Cyber Information and Security Approach to protect our network, assets, and customer data » Application & Infrastructure Vulnerability[Patch] Management » Next Generation Firewalls » Data at Rest Encryption » Anti-Malware & Endpoint protection » Access Control & Distributed Administration » Network Intrusion Detection & Protection » Advanced Persistent Threat Analysis
» Disaster Recovery & Site Redundancy » FFIEC, SOC1, SOC2 & SSAE18 Compliant
» Security Information & Event Monitoring [SIEM] Welcome & Company Update
Product Enhancements – 2017 A year in review Automation
Integration
Application of Better Tools
Interoperability
Dashboards
Tax Return Import
MARQ Portal Deeper Integration
Steps toward Cross Browser Compatibility
Detailed Personal Analysis MARQ Small Company Score
Anywhere access
Credit Action Expanded Financial Templates
Rules Based Automation ALLL – CECL
RiskCalc New
Workflow / Ticklers
Enhanced CRE Functionality
Multi-Currency Multi-Lingual
Spreading Transparency
New New
Ag Scorecard
Lender Application
Commercial Breakout: Gaining a Competitive Edge in a Competitive Market
Product Enhancements - 2017 Tax Form Reader » Scan Tax Documents Automation
» Populate into Lending Cloud Spreading Grids with ease » Improve accuracy, save time and money
Tax Form Reader
Rules Based Automation
Workflow / Ticklers
Welcome & Company Update
Product Enhancements - 2017 Rules Based Automation Automation
» Establish Business Rules and steps to your loan process » Easy to use Interface guiding team members to accuracy and completion of work tasks
Tax Form Reader
Rules Based Automation
Workflow / Ticklers
Welcome & Company Update
Product Enhancements - 2017 Harness technology and data to re-invent small business lending NEW IN 2017 Integration
COMING IN 2018
MARQ portal
Auto-decisioning
Online loan application
Integrated decision rules based on lender’s parameters
Instant MARQTM business credit score MARQ Portal Deeper Integration
MARQ Small Company Score
RiskCalc
Automated spreading
Review and auditing capabilities
Lender application
Faster, more consistent decisions
Streamlined, mobile-enabled app for lenders and RMs Fast customer on-boarding in Lending Cloud
Visit the Small Business Lending demo stations to learn more
Automated processes with business rules Great customer experience
Consistent risk control and management
Seamless automation and integration Welcome & Company Update
Product Enhancements - 2017 Application of Better Tools Application of Better Tools
Dashboards Detailed Personal Analysis Credit Action ALLL – CECL Spreading Transparency
Welcome & Company Update
What’s Coming for Ag: » “Peer Benchmarking” for Ag (similar to RMA) – General Ag Data Pool – Accrual Borrowers only
» “Popular” Ag Risk Rating Criteria – Phase 1 – Most commonly used criteria
» “Best Practice” Ag Risk Rating Criteria – Phase 2 – Need: NAICS | Quality Data
» Ag Scorecards – Phase 3 – Better Risk Assessment during economic downturn
Welcome & Company Update
Thank You for Attending! Join us for the following activities » Bank Partner Showcase: Rock Canyon Partner - Speaking next » Keith Berry and Elaine Wong – Going Further Faster » Break out sessions » Demos » Get to know us: – Moody’s Analytics Employees are in attendance – Engage in discussions and ask them questions
Welcome & Company Update
