Summary Analysis for Quick Decisions on Small Loans or In-depth Analysis for Larger Loans.

Exceptionally flexible form generation tool that allows lending institutions to recreate their own internal forms electronically for loan processing and approval.

Comprehensive word processing features within the loan processing and approval forms. Saves time by not having to go outside the Web Equity Manager system to generate a loan narrative and elminates the need for a third party word processing software.

Allows lending institutions to approve loans securely online utilizing e-signature functionality. This is a key feature that reduces the time and expense of traditional loan committe meetings while reducing the paperwork associated with such lending activities.

A truly centralized data storage on a single server that provides more secure and manageable access to the information the lending institution processes every day.

Customer information is accessible to Web Equity Manager users any time, any where Via an Internet-based network (LAN, WAN, Intranet, Virtual Private Network (VPN), Internet). This allows lending institution personnel to get to the information they need, when they need it.

Credit Report Pulls

No Capability

Lenders can pull and store credit bureau reports electronically within the Web Equity Manager and include that information throughout the decisioning process. This eliminates the waiting period some lenders have to endure to receive this information via facsimile or regular mail.

Credit Scoring

Limited Capability

Web Equity Manager accommodates third party or proprietary loan decisioning score cards and integrates credit bureau information within those score cards.

Watch List

No Capability

Allows lenders to automatically identify customers that may be on their watch lists and triggers pre-decision warnings that can stop a poor or riskier credit that the lending institution's underwriting policies cannot or will not accept before any time is wasted on the decisioning process.

Risk Rating

Limited Capability

Web Equity Manager automates trigger review parameters in conjunction with credit bureau data to include customized ratios all in an exceptionally flexible configuration process.

Custom Ratios

Limited Capability

Every lending institution analyzes and decisions credit requests a little differently. Web Equity Manager provides more data fields for building these proprietary ratios. These custom ratios can then be automatically used in the lending institution's risk rating parameters and on their own credit presentations.

Web Equity Manager accommodates the capture of unlimited balance sheet, actual and projected income expense information to rapidly update the perpetual changes in customer financial records.

Customize Chart of Accounts

Financial Statement Format is Locked Down

Both the commercial and agricultural lending industry utilizes standardized and customized chart of account information. Web Equity Manager allows lenders to retain all schedule level customer information for all balance sheets and actual/projected income/expenses.

Control Data Flow

Limited Capability, Balance Sheet Data Permanently Linked to Projection

With Web Equity Manager lenders can automatically control how all customer information flows from the balance sheet to the projections and all other system areas.

Monthly Cash Flow

12 Month Cash Flow Only

Monthly cash flows are a highly utilized factor in most all agricultural and commercial financial analysis. Web Equity Manager accommodates the use of monthly cash flows for up to 24 months in length.

Export Reports

No Capability

Web Equity Manager is an exceptionally flexible system that allows users of the system to export the data that resides in the system reports into popular third party file formats that are ubiquitous in the business world such as Microsoft Word, Microsoft Excel and Adobe Acrobat. This flexibility allows lenders to easily share information with everyone in their business orbit, i.e., accountants, consultants, lawyers, customers and government agencies.

Charts & Graphs

Limited Capability in Add-On Module

A visual representation of a customer's financial position goes a long way in helping the customer more easily understand the data that is their livelihood. Web Equity Manager provides standardized charts and graphs for all key ratios and financial indicators.

Consolidations

Capability Exists

Lenders can consolidate an unlimited number of customer entities and control how that customer data is brought together in the system, providing more analysis and reporting capabilities on that consolidated customer information.

System Administration & Security

Limited Capability

Lending institutions utilizing Web Equity Manager are provided feature rich, highly flexible system administration tools that allow them to control who accesses the system data, from what location, as well as the system features they can have access to. While these tools are made available to lending institutions, it is their responsibility to apply these tools based upon their own underwriting policies.

Data Mining Tools

Capability Exists

Lending institutions not only want to identify as many sales opportunities as possible, but they must also adhere to strict government compliance to minimize their risk. Web Equity Manager provides over 1,600 data fields that lenders can query for to maximize their marketing efforts while minimizing their portfolio risk. Web Equity Manager does this while providing exceptional reporting features, including the ability to export this data to Microsoft Excel.

Affiliated Relationship Locator

No Capability

Allows lenders to easily identify a customer entity relationship to other customer entities that exist in the entire portfolio.

Common Platform to FSA

No Capability

Lenders can easily exchange borrower information electronically with the USDA's Farm Service Agency (FSA) for guaranteed loans and subordinations.