Sageworks Credit Analysis

Sageworks Credit Analysis allows banks and credit unions to quickly spread and analyze proposed loans and make smarter credit decisions.

• Electronic Tax Return Reader
• Centralized borrower information
• Tax-return input screens
• Real-time credit score and debt information
• Global cash flow analysis for businesses, people and properties
• Automated financial spreads and ratio calculations
• Real-time industry benchmarks
• Probability of default model
• Business projections and valuations
• Automated credit memos
• Dynamic output for what-if scenarios
• Customized business and NPO narrative reports

• Combine financial data for multiple businesses, people and properties for a global debt-service ratio
• Analyze individual businesses or people, businesses or people with real estate holdings, groups of businesses or people and combined groups of businesses and people (with or without real estate holdings)
• Enter up to 5 years’ data at one time for each entity using easy-to-follow tax-return input screens
• Automatically map tax-return data to financial statements, including US tax forms 1040, 1065, 1120, 1120S, 1040C and 1040F
• Use an ag-specific analysis for loans to producers
• Save time with customizable subaccount templates
• Add collateral and cross-collateralization for the analysis of personal and business loans
• Automatically annualize incomplete business financial data
• Calculate debt service using either Itemized Debt / Loan Information or based on provided Financial Statement Information
• Quickly perform business projections, including business valuation calculations Pull in real-time credit score and debt information
• Use the dynamic output to manipulate data, propose or refinance debt in real time and see the impact on the relationship
• Create customized business narrative reports for your clients using a patented financial engine
• Incorporate real-time, industry data from the largest private-company database, spanning 1400 NAICS codes to accurately benchmark business clients
• Save time with an automated credit memo that mimics existing bank files
• Use the Standard Report for quick, consistent reporting