Credit Information Management
and Streamlined Workflow
CreditQuest Credit Manager:
®
End–to–End Commercial Credit Management
CreditQuest Credit Manager is
the complete commercial and
Reduce Turnaround Time
CreditQuest Credit Manager significantly speeds credit request
processing.
software system that incorporates workflow and
• Data entry is streamlined, presenting the screen appropriate to
the customer and product type in the request
• Host interface automatically updates all accounts and balances in
a single step
• Automated workflows assist with navigation, enforce established
rules and capture all decisions on a request
• Whether retrieving prior credit application history, pulling credit
bureau reports or accessing financial statement spreads, all items
are accessed with a few clicks
streamlined data entry, financial statement reports,
Better Credit Information Management
small business credit management
and productivity solution.
CreditQuest Credit Manager is an integrated
an aggregate customer account relationship view,
document management, automated credit write-ups
and exception tracking, all from a single desktop.
CreditQuest Credit Manager standardizes
transaction processing for simple small business
loan applications. Furthermore, it accommodates
the flexibility and detail needed to address high-end
corporate financing requests that can encompass
several entities and include many facilities.
Lending Payments Core Channel Optimization
CreditQuest Credit Manager organizes and aggregates all
information for managing the credit processes:
• Banking Activity – Review all customer-related accounts,
providing a complete presentation of a customer’s credit,
collateral, deposits and fee income – both historical and up-tothe-minute.
• Business Structure – See the big picture and overlapping
ownership and influence, using an interactive ownership “tree”
for a complete graphical representation of affiliated companies,
individuals and additional business ties.
• Deal Terms – The type and amount of the credit request,
the form and quality of collateral and the borrower’s deposit
relationship are all aggregated and displayed in an easily
accessible location.
Desktop
The CreditQuest Credit Manager Desktop
allows users to view and manage customer
and loan-related activities in one place. Users
see everything in their work queue at a glance.
Multiple views allow users to view the queue
of any group for which they are a member.
This is helpful, for example, in instances
where a senior credit manager can view all
of the activities assigned to all of the credit
analysts who they manage, or a supervisor
who needs to redirect work activity to eliminate
bottlenecks.
The efficient desktop enables users to
immediately access and work on:
• Credit Applications: All of a user’s credit
applications and the state of each application
The personalized desktop provides one convenient place to view a user’s entire “To Do” list.
as they undergo the loan application process
are easily accessible. Users can access each credit application, at
Credit applications can be routed to individual users or to groups
the current application status, with a mouse click.
with a variety of routing rules and timeouts to ensure the business
• Alerts & Exceptions: All exceptions for accounts are displayed
is acted upon within pre-set time periods.
and accessible, and users can clear the item when ready.
• Document Ticklers: Store, retrieve, view documents and
Applications can be moved between users, and users can also
accompanying one-time or recurring ticklers. Email notification
make themselves unavailable to accommodate vacation days or
and mail-merge letters are available.
other time away.
• Communications: All emails, phone calls, faxes and letters are
centrally stored for easy retrieval.
CreditQuest Credit Manager offers ample control over the manner
• Customer Visits: Enter, track and schedule customer visits.
in which credit applications are processed. The workflow can
• Referrals: Enter, track and schedule activity on referrals or other
be branch based on user defined application characteristics.
customer interactions.
For example, the workflow can be configured so that a credit
application that exceeds a dollar amount is routed to the senior
In addition to the data in the CreditQuest database, CreditQuest
credit manager, rather than a lower-level credit analyst.
Credit Manager interfaces with Microsoft® Exchange to sync
Outlook® emails, calendar items and tasks.
Users can also set the workflow to guide novice users screen-byscreen, helping to ensure capture of data for appropriate analysis
Workflow
for credit decisions.
CreditQuest Credit Manager facilitates co-worker collaboration.
The workflow automatically routes credit applications to the
appropriate individual user or group as it proceeds through the
application process.
The Relationship Big Picture
Multi-entity relationships are a common
occurrence in commercial lending; they
are a CreditQuest strength. The system
gives users immediate insight into total
credit exposure for the full borrower
relationship. Users control how totals
will aggregate. For example, users can
choose to have closely related parties
such as borrowers and guarantors total to
a direct group, but the business of nonguaranteeing officers or sister companies
can be totaled in an ‘other’ category.
The system gives users insight into total credit exposure for the entire borrower relationship.
When viewing these complex groups of
accounts, users can control the view to
include everything, or highlight selected
accounts for action in specific credit
presentations.
Relationship Tree
CreditQuest Credit Manager uses
powerful graphic elements to present
complex relationship situations. An
ownership tree shows the relationship
between parties while providing quick
access to risk and exposure totals and
details. A supplier/customer tree shows
the borrower’s position in the marketplace,
which can be very important if you are a
banker to several parties in the picture.
The ability to relate several related parties enables users to see the big picture and manage
real exposure.
Lending Payments Core Channel Optimization
The personalized desktop provides one convenient place to view a user’s entire “To Do” list.
Credit Policy
CreditQuest Credit Manager has the ability to automatically validate
each credit facility against an institution’s credit policies, thereby
ensuring uniform credit policy application amongst staff. The credit
policy validation can be configured to recommend a decision or to
make decisions automatically.
Policy elements include the specific credit characteristics, such as
loan amount, LTV, borrower FICO scores, borrower or credit risk
rating, net worth, debt to worth ratio, type of credit or collateral,
etc., and can be configured for evaluation.
Credit policies can be configured to allow specific users or roles
(such as senior credit administrator) to override a decision. In such
instances, CreditQuest Credit Manager logs the override, the user
who overrode and requires justification. These items are logged,
allowing an audit trail that tracks which credit applications had an
override and who approved the override. Standard reports provide
risk managers and senior executives with detailed data regarding
adherence to credit policies across the loan portfolio.
As with credit policy validation, lending limits can be configured
with simple or complex rules. For example, the administrator may
want to grant junior officers approval up to $100,000 provided the
LTV is less than 75%, and it is a an approved facility and collateral
type. Conversely, for every situation, the system can help to identify
who has the needed authority so that credit can be processed
most efficiently and get the credit application to the right person as
quickly as possible.
Exception Management: Ticklers, Alerts, Checklists
CreditQuest Credit Manager provides comprehensive exception
management with alerts displayed instantly on the Desktop. This
enables users to quickly identify situations requiring attention and
serves as a constant reminder to all users of the specific risk items
to which they need to attend.
Exceptions can be added manually or triggered automatically from:
• Breached Covenants
• Checklist Items
Lending Limits
CreditQuest Credit Manager enforces an institution’s lending limit
rules, ensuring only the appropriate personnel make the actual
lending decisions.
• Overdue Ticklers
• Scorecard Scores Outside Defined Limits
Easy Credit Memo Creation
CreditQuest Credit Manager automatically organizes your data and
assembles notes entered into a professional-looking credit memo
document. The credit memo also includes up-to-the-minute host
data, as CreditQuest Credit Manager updates account information
from your host each time users bring a borrower into focus.
Users can preview the credit memo at any time, and, by clicking
embedded links, can navigate to the appropriate screen to add or
modify any of the data or text comments to refine the write-up.
Administrators can tailor credit memo templates for different types
of lending, such as for individual, small business or corporate
borrowers, or differentiated by credit or collateral type lending,
thereby ensuring the right format is used.
CreditQuest Credit Manager offers a suite of standard credit memo
template modules, and provides a template designer to further
customize presentations. The end result is high-quality document
presentation to help users make better informed credit decisions.
Security and Audit
The system provides finely engrained security that limits who can
see what screen and what types of information within the system.
In addition, processes and actions can be limited to a specific
authorized individual or group. Logs are maintained for most
workflow activity so users know who performed the step and how
long it took.
Reports
Whether its application activity, workflow, account balances or
exception activity, having all the data in a single database provides
for powerful reporting capabilities. A user-friendly reporting tool
is provided to enable access and analysis to any system data.
Reports can be created in a variety of output formats.
Access to reports can be controlled by permitting users to create
reports on-demand with the latest data, but also can be restricted
to content that is permitted to them.
Part of the CreditQuest Suite
CreditQuest Credit Manager works hand-in-hand with the other
parts of the CreditQuest suite. Data entered once, anywhere in the
suite, will be held in the central database and reused.
• CreditQuest Financial Analyzer – Financial statement spreads
and covenants may be accessed and automatically incorporated
into credit memos.
• CreditQuest Rating Manager – Used to risk rate entities,
the rating results and commentary may be made accessible or
incorporated in to credit memos.
• CreditQuest Portfolio Manager – All data loaded into
CreditQuest Portfolio Manager is organized by account, and all
related accounts and history are presented, which saves time and
presents account history.
CreditQuest Credit Manager automatically assembles the credit memo
from previously entered data.
Lending Payments Core Channel Optimization
For more information about CreditQuest Credit Manager or the
entire CreditQuest suite of products, contact us in North America
at 800-815-5592, outside North America at +353 1 664 1430 or
go to dh.com.
Overview of CreditQuest
Mapping the Credit Management Process
Review Customer
Banking Activity
1
Review Customer
Business Activity
Financial Analysis,
Loan Presentation,
Documentation
Follow Up &
Manage Customer
Relationship
End-to-End Commercial Credit Management
2
Financial Statements Management and Analysis
3
Compliant Loan Documentation
4
End-to-End Commercial Credit Management
5
Credit Portfolio Management, Reporting and Analysis
Manage Portfolio Credit Risk
Data Warehouse
Host
1
CreditQuest
Credit Manager
A commercial credit
management solution
that supports the review,
analysis, collaboration
and decision- making
of commercial credit
applications by
incorporating workflow,
document management,
account aggregation, risk
rating, automated credit
memos, relationship
management and more.
2
CreditQuest
Financial Analyzer
An advanced financial
statement management and
analysis solution offering
configurable financial ratios,
peer group comparisons,
custom analysis reports
and more. By leveraging
financial data, CreditQuest
Financial Analyzer enables
effective customer risk
rating.
Financial Statements
Business Information
Mail Server
Business Plans and Forecasts
Banks Procedures
Documents Archive
3
LaserPro
An industry-leading
documentation solution
used in the United
States. The LaserPro
dynamic document
style and automated
document selection
minimize compliance risk
by providing maximum
flexibility, integrated policy
information and data
validation.
4
CreditQuest
Rating Manager
A risk-rating software
solution that enables the
use of a wide range of
rating models. CreditQuest
Rating Manager supports
models that incorporate
borrower demographics,
analysis of financial
statements, management
quality assessments,
industry segment risk,
related parties, bank
account activity, quality of
collateral, real-time alerts
and more.
5
CreditQuest
Portfolio Manager
An advanced credit portfolio
management and analysis
solution. CreditQuest
Portfolio Manager provides
metrics covering credit risk
and banking activity from
the portfolio level down to
the single account.
D+H is a leading financial technology provider the world’s financial institutions rely on every day to help them grow and succeed. As a trusted
partner to nearly 7,000 banks, specialty lenders, community banks and credit unions, the company delivers solutions across five broad service
areas: Lending Solutions, Core Solutions, Channel Solutions, Payment Solutions and Optimization Solutions. Headquartered in Toronto,
Canada, D+H has more than 4,000 employees worldwide who are passionate about partnering with clients to create forward-thinking
solutions that fit their needs. With annual revenues of more than $1 billion, D+H is recognized as one of the world’s top FinTech companies
on IDC Financial Insights FinTech Rankings and American Banker’s FinTech Forward ranking.
For more information, visit dh.com.
©2015 D+H USA Corporation. All rights reserved. CreditQuest and Laser Pro
are registered trademarks of D+H USA Corporation. D+H is a trademark of D+H
Limited Partnership. All other product names or brand names are trademarks and/or
service marks of their respective owners.
150406-65
Lending Payments Core Channel Optimization
D+H
North America 800-815-5592
Outside North America +353 1 664 1430
dh.com