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ON Credit Intelligence Suite™

Proven cloud software transforming commercial lending - banks lend smarter, lend faster, and lend more.

Welcome to Intelligent Credit

ON Credit Intelligence Suite Features

 

  • Machine learning powered anomaly detection, peer comparisons, sector insights, and scenarios

  • 274 industry forecasts models

  • Extreme granularity to level 5 NAICS code analysis

  • Segmented, prioritized loan reviews

  • Data-driven real-time sector insights

  • Proactive, continuous credit monitoring

  • Portfolio-wide stress tests at speed, at the borrower level

  • Early warning indicators for at-risk loans

  • Seamless integration into existing bank systems

Lender Outcomes

 
  • 360° view of a borrower’s financial position, including forward-looking view
  • Digitization and centralization of data
  • Confidently tailor loans to a borrower’s future
  • Get ahead of potential defaults
  • Complete transactions in days and weeks, not months
  • Credit decisions and path to ‘yes’ 10x faster than traditional underwriting models
  • Relationship Managers closing 7x more deals
  • Identify new opportunities for loan book growth
  • High return, low risk loans

"Using this analysis will change the way we think about portfolio management, and trying to find that efficient frontier of risk and return. We can be more sophisticated in our approach, more like the way you would manage an investment portfolio."

BRENDON FALCONER
CFO, OLD NATIONAL BANK
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Lend Smarter

 
  • Early warning indicators flag potential credit issues enabling a faster response and better credit outcomes.
  • Automate manual touchpoints in the annual review process to improve efficiency and free up team time to originate more loans.
  • Identify potential defaults and covenant breaches faster and earlier to minimize defaults and credit losses.  
  • Identify vulnerable borrowers that require a detailed review and reduce team time spent on performing borrowers.
  • Assess the difference between businesses at a granular level (where significant variations exist) to better understand risk and create tailored credit policies.

Lend Faster

 
  • Automate aspects of the review process to conduct ongoing reviews vs point in time (e.g. annual reviews) – saving time and improving efficiency.
  • Monitor loans with the same rigor as you underwrite them.
  • Incorporate scenario analysis, historical trends, and peer performance into monitoring and reviews.
  • 274 industry forecast models and L5 NAICS code analysis.
  • Scenario analysis can enhance existing decision-making processes, or act as a strong independent challenge and model validation. 
Lend Faster
Lend More

Lend More

 
  • Relevant sector insights when you need them to support client engagement and credit decisions.
  • Relationship managers have genuine relationships with customers by managing ahead of industry-driven financial hardship and potential default events.
  • Lower losses mean more capital available for lending
  • Granular, bottom-up, forward-looking insight enables an independent framework to assist with qualitative overlays to risk rate loans and free up capital.
  • Continuous monitoring, with early warning indicators driven by leading operating metrics results in a ‘trusted partner’ status. 
Borrowers

CONFIDENTLY LEND THROUGH CYCLES

Take preventive action to continue confidently lending and supporting borrowers through economic cycles
 
  • Identify the macroeconomic variables that have the greatest impact on your loan book
  • Identify the industries and borrowers that contribute the most to changes in performance
  • Make targeted decisions through a nuanced forward-looking view of industry-specific risk
  • Support borrowers through turbulent cycles with a more detailed forward-looking view of their industry’s projected performance

"OakNorth (Credit Intelligence) enabled us to take a granular, bottoms-up approach, with a company-wide view of credit quality and industry exposure. As a result, we identified the most vulnerable businesses and took proactive measures to support them. This automated loan-by-loan review has not only enabled us to be nimbler and manage risk better, but has also meant we can have consultative discussions with our borrowers."

SAM SIDHU
CEO, CUSTOMERS BANCORP
TAKE THE NEXT STEP

Request a personalized demo to discover what ON Credit Intelligence can do for your bank.

What We’ll Cover:

  • What makes our technology different
  • How rapidly you’ll see results
  • Ease of installation and cost benefits
  • Current customers and outcomes