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Performance Optimization Program

The Performance Optimization Program is a data-driven solution that helps banks maximize risk-adjusted revenue, while also taking into account their broader total relationship profitability, volume/market share and customer satisfaction objectives. We help lenders conduct in-depth market analysis, optimize their commercial loan pricing policies, and create effective fee structures.

Uncertainty has no place in your next lending decision

Many banks sacrifice profitability due to lack of data or discipline around loan pricing. The Performance Optimization Program provides your team with deep account-level data and analytics to help them price new loans and renewals, while driving deposit and treasury service revenue.

We offer a data-driven solution that helps banks maximize risk-adjusted revenue, while also taking into account their broader total relationship profitability, volume, market share, and customer satisfaction objectives. We help lenders conduct in-depth market analysis, optimize their commercial loan pricing policies, and create effective fee structures, through:

  • Portfolio-level performance analysis for management to identify areas of strength or opportunity in the C&I and CRE portfolios
  • Account-level data and analytics to effectively price new loans and renewals
  • Performance calibration to help relationship managers optimize pricing and increase profitability

The guidance and training available as part of the Performance Optimization Program fosters a culture for making smarter lending decisions throughout your organization. Our clients typically experience an average revenue lift of 8-10 basis points across their commercial loan portfolios.

Tools that Turn Raw Data into Actionable Insights

Key Features

A relentless focus
A relentless focus on revenue growth
We provide the vital intelligence you need to develop strategies to increase loan market share, build deposits, grow treasury service volume, and expand your margins. With a rigorous focus on market intelligence and internal best practices, we help you price your loans competitively, based on what’s going on in your local market.
Empower your staff
Empower your staff with smart pricing guidance
We provide relationship managers with actionable reporting that tells them how to price new loans and renewals from a spread and fee perspective. We build our pricing guidance across a number of dimensions, including risk rating, geographic region, industry, size, relationship profitability, and other factors that drive loan pricing.
Leverage reports
Leverage reports to monitor and reinforce pricing discipline
The Performance Optimization Program positions you to realize unforeseen revenue potential. We start with a deep-dive portfolio analysis to understand your positioning relative to market and where best practices exist that can be leveraged throughout the organization. Management reporting helps the bank understand which parts of their organization are executing against identified revenue opportunities.

Key Features

A relentless focus on revenue growth
We provide the vital intelligence you need to develop strategies to increase loan market share, build deposits, grow treasury service volume, and expand your margins. With a rigorous focus on market intelligence and internal best practices, we help you price your loans competitively, based on what’s going on in your local market.
Empower your staff with smart pricing guidance
We provide relationship managers with actionable reporting that tells them how to price new loans and renewals from a spread and fee perspective. We build our pricing guidance across a number of dimensions, including risk rating, geographic region, industry, size, relationship profitability, and other factors that drive loan pricing.
Leverage reports to monitor and reinforce pricing discipline
The Performance Optimization Program positions you to realize unforeseen revenue potential. We start with a deep-dive portfolio analysis to understand your positioning relative to market and where best practices exist that can be leveraged throughout the organization. Management reporting helps the bank understand which parts of their organization are executing against identified revenue opportunities.

Try our platform.

Our products turn data into actionable insights -- and give you an edge on the competition.