The banking industry’s most comprehensive credit risk management solution is now the most powerful!
Optimist, the banking industry’s premier credit risk management solution, has all the critical functions you need to evaluate an entire portfolio or single loans via a multitude of analytics, spreading and stress testing scenarios.
Optimist also delivers the most powerful banking industry solutions including Commercial Real Estate, Personal Cash Flow and Risk Rating Delivery.
Introducing Optimist Commercial Real Estate
Optimist Commercial Real Estate provides all the information you need to make a thorough property lending decision. Best of all, you can integrate CRE with Inmatrix Portfolio Strategist to stress test your entire portfolio.
Optimist Commercial Real Estate provides:
• Standard templates for construction and income producing projects
• Stress testing projects to determine breakeven analysis
• "What if" analysis capability on project cash flows
• Integrate your credit write-up through Optimist Office Integration module
• Ability to integrate with Inmatrix Portfolio Strategist to stress CRE portfolios
• Total exposure for commercial real estate companies
Introducing Optimist Personal Cash Flow
Ever get frustrated by having to maintain two separate systems for company financial analysis and personal financial analysis? Optimist Personal Cash Flow provides the capability to present a consolidated summary of company and personal financials.
Optimist Personal Cash Flow enables you to:
• Analyze company and personal financials in the same application
• Capture personal financials up to 5 guarantors
• Create a cash flow statement from tax forms (1040) and other personal financials
• Integrate personal financials with the credit write-up through Optimist Office Integration module
• Integrate Inmatrix Portfolio Strategist® with PCF to monitor performance of the overall credit portfolio
• Gain accurate calculations to exposure and risk
Introducing Optimist Risk Rating Delivery
In today’s competitive banking environment, risk rating is critical to ensuring that your bank maintains consistent standards of lending. Optimist Risk Rating Delivery enables everyone in your bank to use the same set of credit risk facts and data.
Optimist Risk Rating Delivery allows you to:
• Create industry specific risk models
• Standardize risk reporting
• Create quantitative and qualitative risk ratings
• Capture and track all risk rating overrides
• Deploy uniform risk rating methodology throughout your bank
• Develop risk models for each industry model: CRE, C&I, Land Development
• Save money - All risk modifications are made by the bank
  CLICK HERE for 5 minute Video  Demonstration of Optimist 7
"When we decided we needed a more effective and efficient way to underwrite our commercial loans, we turned to Inmatrix for help. Optimist has made the processing and analysis of financial information much easier. We now have concise reports that help us make good credit decisions. We also can stress test our loans which is very valuable during the current financial conditions in the marketplace"
Gordon "Bud" Smith
President CEO
Liberty Federal Savings Bank
"We have been using Optimist for over one year now. It has delivered everything we expected. It has been an excellent tool to use with existing customers as well as prospects."
Steve J. Rodberg
Senior Credit Analyst
Ozaukee Bank |
