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Investar Bank |
PrecisionLender
Partnership
PrecisionLender Overview
May 30, 2018
2. Who are we?
We design and deliver solutions that help
banks manage pricing, understand
relationship profitability and construct
better credit portfolios.
We do this by helping commercial relationship
managers:
• Win better deals by quickly hand-
crafting solutions that meet their
clients’ needs and bank objectives
• Create stronger, more profitable client
relationships through trust and added
value, delivered through a
constructive sales interaction
• Build a more valuable brand for
themselves and the bank
3. • Founded in May 2009
• Implemented in 200+ banks
• Serving clients ranging in asset
size from less than $1B to over
$1T
• In implementation with a global
bank across 6 countries
• Currently pricing commercial
transactions at a run-rate of more
than $600 billion per year
• This is doubling every 6-12
months
Who do we serve?
4. How do we fit in?
Pricing & Profitability Management
Opportunity Pricing Relationship Awareness
Credit Underwriting
Origination Workflow Management
Documentation
Customer Relationship Management
Task Management Pipeline Management
The “brain” of the bank.
This goal: better decisions and better execution.
The “heart” of the bank.
The goal: Don’t lose any pennies.
Portfolio Management
Capital Management Liquidity Management
Transaction Management
“Core” Processing General Ledger
5. The brain of the bank…
Initiating a conversation with the right
prospects at the right time.
Engaging that prospect in a constructive
conversation focused on their needs and
finding the solution that works for both
the customer and the bank.
Documenting the outcome of this
conversation and quickly and efficiently
underwriting that the underlying
assumptions are all true.
Understanding the current nature of the
credit portfolio to define/refine what “the
right prospects” and what “works for the
bank” means going forward.
Pricing & Profitability Management
Opportunity Pricing Relationship Awareness
Credit Underwriting
Origination Workflow Management
Documentation
Customer Relationship Management
Task Management Pipeline Management
The “brain” of the bank.
This goal: better decisions and better execution.
Portfolio Management
Capital Management Liquidity Management
Sales Qualified Leads/Opportunities
Credit Qualified Opportunities
Closed Opportunities
6. What does the Relationship Manager use?
• We constantly and immediately give RMs
options on how they can improve a deal.
• PrecisionLender is a sales tool…it’s a
negotiation tool.
• It allows the RM to easily focus on what
is most important to the borrower.
• It is like having a senior RM or pricing
analyst helping you structure the deal in
real time.
• This helps lenders win better deals, build
stronger relationships and build a better
brand for the commercial bank.
7. What does the Relationship Manager use?
• Easily understand overall Relationship
Profitability.
• Understand the impact on the
relationship and the portfolio both if we
win and if we lose this next opportunity.
• Understand the impact on Net Funding
and Net Commitment as a result of
winning a losing.
• Answer the basic and important
question: if we win what is in our
pipeline, how much will we grow the
bank?
• Better manage liquidity needs and
improve investment portfolio returns
8. Meet Andi
• Andi® is PrecisionLender’s virtual pricing analyst,
powered by AI and machine learning.
• Andi sees every deal priced by PrecisionLender
clients. She learns what’s working and what’s not, as
well as the pricing tactics of the best RMs.
• She works with RMs as they price each opportunity,
showing them how to make deals work,
recommending structures, and even highlighting
opportunities to expand a relationship.
• Andi’s learning how to monitor RM portfolios to find
new opportunities and detect anomalies. She’s even
learning how to track the competition’s offers and
ways they’ve been beaten in the past.
