Optimist delivers on both sides of the commercial lending equation – Risk & Relationships
Optimist is an internal credit risk management solution and a front-end relationship management tool — all in one dynamic software package. Optimist arms your commercial bankers with vital financial analysis, diagnostic, and communication tools to build, manage, and sustain a profitable commercial loan portfolio.
Optimist is the only spreading and credit analysis tool that simultaneously allows you to manage risk across both your C&I and Commercial Real Estate (CRE) portfolios.
Use Optimist’s one page financial credit risk “dashboard”, to instantly stress test cash flow and other key financial performance measures, analyze projections, model business scenarios (‘What If?’), and test strategies (Goalseek) that lead to desirable business results
Optimist serves the needs of virtually all commercial lenders — regardless of specialization. Credit management is augmented through integration of RMA Statement Studies to compare accounts with industry benchmarks.
Industry templates and Worksheets expand Optimist applications to virtually all U.S. commercial lenders. Multiple standard templates accommodate a range of industries supporting both commercial real estate and C&I lending.
Work Flow Integration
Eliminate duplication in data entry, and vastly improve the speed, accuracy and consistency of loan approval documentation.
Optimist now provides users with total flexibility to create, manage and edit loan approval documents - offering unlimited potential to create custom reports. Customized ‘templates’ are simply built within popular MS Office applications such as Word and Excel. Data is then ‘linked’ to Optimist models, and imported instantly into the template.
Office Integration
Eliminate duplication in data entry, and vastly improve the speed, accuracy and consistency of loan approval documentation.
Optimist now provides users with total flexibility to create, manage and edit loan approval documents, and offers unlimited potential to custom build reports. Customized ‘templates’ are simply built within popular MS Office applications such as Word and Excel. Data is then ‘linked’ from within Optimist models, and imported instantly into the template.
This feature is now available with Optimist v7.3
Integrated Credit Risk Assessment
Standard & Poor’s has developed the best performing probability of default (PD) model for assessing the credit risk of middle-market private firms throughout the U.S. and Canada.
Credit Risk Tracker (CRT) North America – is a scoring model that produces forward-looking, one-year PDs – establishing a new standard for evaluating risk within the hard-to-benchmark category of smaller, privately-held companies. Creditors and investors can now begin to use a common risk language for these types of credits.
RESULTS YOU CAN EXPECT TO ACHIEVE
• Improved commercial credit quality
• Increased revenue and profitability
• Enhanced customer satisfaction and retention
• Greater consistency in performance among all commercial
credit team members
• Greater consistency in lending process and improved file quality in both C&I and CRE
• Simplified loan review preparation with a reduction in review time
• More comprehensive reports, including a customized credit write-up
  CLICK HERE for 5 minute Video  Demonstration of Optimist 7
"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 |
