Below is a high-level description of the core financial analysis features available in Web Equity Manager®. View the other resource links on the previous screen for all the features that make up our financial analysis & decisioning solution.

• Originate, analyze, decision and process commercial/small business, agriculture and consumer credit requests in a single, centralized system accessible on an Internet/Intranet-based network.
  
  
• System defaults save you time and standardizes the analysis throughout your entire organization. Here are just a few defaults:
  • User access and functionality. You determine who can access what features and when in a secure Web environment.
  • Chart of Accounts (B.S. | Inc. Exp.)
    • Web Equity Manager® comes with a standard set of models that your organization can rely on without changing them and it provides a benchmark for system standardization. However, you can customize your chart of accounts as needed.
  • Customized Ratios
  • Creditors (The Competition)
  • NAICS Codes with Production Costs
  • Credit Scoring & Risk Rating Models
  • Loan Approval and Processing Forms
  • Report printing dynamics.
    
    
• General Information
  • You determine what information to gather, in the order you want it gathered and how it is presented in customizable reports.
  • Customer information entered here is primarily non-financial and purely optional. However, much of the data gathered here is especially valuable as criteria used in mining your portfolio. Account managers, marketers, and management can all find something relevant to their job when querying the data that starts here.
    
    
• Unlimited # of Balance Sheets
  • Gather and analyze customer data quickly and easily.
  • Minimal input generates your complete financial analysis.
  • Choose market, adjusted market, or cost value balance sheets to make sure you're seeing the real picture.
  • Detailed supporting schedules and reports.
  • Unlimited Historical Data.
    
    
• Unlimited # of Income/Expenses
  • Current, projected and historical data are automatically combined for your trend analysis.
  • Spread unlimited trend information.
  • Cash to Accrual Conversions.
  • Detailed supporting schedules and reports.
    
    
• Types of Analysis -- All customer data is automatically calculated and analyzed throughout the entire system.
  • Calculate Accrual Adjustments or Cash Basis
  • Earned Net Worth
  • Statement of Cash Flows
  • Statement of Owner Equity
  • Enterprise Analysis
  • Collateral
  • Trends
  • Income/Expense Statements (Includes Common Sized)
  • Ratio Analysis (RMA Industry Comparisons & FFSC Ratios)
  • Ratios can be customized as needed
  • System users determine the level of effort and analysis necessary to make a loan decision for agricultural, small business and consumer requests
    • Fast Track Equity® Analysis (Summary Data Only)
      • For the simplest, most flexible way to analyze credits
      • User-defined fields allow you to create/modify your own applications
      • Minimal data generates a complete analysis for "no-brainer" credits -- smaller loans that aren't economically feasible for you to spend much time on
      • Pull credit bureau reports
      • Can include credit bureau data in your scoring & rating
    • Ultra Analysis (Detailed Data)
      • All the functionality of Fast Track Equity® analysis plus...
      • Multiple levels of detailed analysis when you need it
      • Balance Sheets, Income/Expenses, Loan Schedules, More
      • Perfect for credits where more detailed analysis is necessary, i.e., riskier credits, government guaranteed loans and multi-entity consolidations
    • Ultra II Analysis
      • Totally customizable analysis for your specific needs
        
        
• Our system allows you to pull your credit reports in the same environment that you perform your analysis without leaving your chair.
  • Log in just once (regardless of the bureau you choose or how many times you pull a report)
  • Instantaneous response from the bureaus
  • No baby-sitting the fax machine
  • No additional software needed
    
    
• Pull reports from Experian, Trans Union, Equifax, Equifax Canada, Experian Business and Dun & Bradstreet.
  
  
• You will know immediately if there was a "No Hit" or "Error" on the report.
  
  
• Add comments to the bottom of any credit report to clarify the particulars of a report.
  
  • EXAMPLE: Note that a lag in the time the customer's insurance company paid a hospital bill was the cause for a "late payment" mark on the credit report.
    
    
• Easily integrate your choice of credit report information into your scoring and rating parameters (not just the score but other data in the report).
  
  
• All credit report data you designate automatically flows to the credit presentation and forms.
  
  
• Credit reports are received in their bureau-specific formats that are easy to read and understand.
  
  
• Activity reporting gives you easy "point & click" access to every facet of the credit reports.
  • See who in your organization pulled what report and when.
  • All historical credit reports for each customer are stored and accessible in a single screen.
  • You can sort all activity throughout your organization...
    • By date (see a single day, week, month or an entire year's worth of activity).
    • By customer name.
    • By location (from branches to corporate HQ).
    • By user (all locations and loan officers are controlled by the system administrator for your organization).
      
      
• User-defined Scoring & Rating System (Can include credit bureau data if desired)
  
  
• FSA Direct and Guaranteed Loan Applications
  • Forms for processing FSA Guaranteed Loan Applications have been in ECI software since it's first release in 1991.
  • Web Equity Manager® is the solution of choice for the USDA's Farm Service Agency's "Farm Business Plan" system for processing over 100,000 program participants across the country.
    
    
• SBA Guaranteed Loan Forms
  • A more cost-effective alternative to "Tsoft"
    
    
• Multi-entity consolidations.
  
  
• Portfolio Management.
  • Powerful data mining features.
  • Identify strengths/weaknesses to mitigate portfolio risk.
  • Queries reveal key characteristics about your loan decisioning.
  • Use to quantify your underwriting standards.
  • Over 1,600 data elements to query by (and growing).
  • Export to Microsoft Excel or integrate with other systems.
    
    
• Automated Work Flow Tools
  • Electronically track credit requests through the different stages of your business process as each increment of work is completed.
  • Attach "status markers" (E-Signatures) at each phase of your process.
  • eNotice Feature: Instantly communicate with colleagues, customers and prospects.
  • Each work flow item is retained and trackable for a historical record of all customer record interactions.
  • Paperless Loan Committee: Approve/Deny loan requests regardless of geographic location.
    
    
• Analysis, ratios and reports are clear and concise. We utilize Business Objects Crystal Reports^TM for program printouts. You can have customized or common-sized reports and you can export data from Web Equity Manager® into word processor and spreadsheet programs.
  

None of this VALUE can be realized without CENTRALIZED DATA accessed on an INTERNET/INTRANET-based NETWORK. The best way to see if this is the right solution for your organization is to schedule a FREE DEMO with us in our Web Meeting Center. We look forward to talking more about this with you soon.

Fill out our FREE DEMO form here...
1-800-264-0787 x. 200
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