Not So Risky Business: Merging the Five Cs and Technology

June 13th, 2018

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Nice to Meet You!

Sonya ChowSenior Manager

Process ManagementCapital One

Jay JenkinsSenior Product Manager

nCino

Chris GuffordSenior Solutions Architect

nCino

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Agenda

• State of the Credit World• Managing the Grey Area• Where Does Automation Fit?• Real Insights with Your Data

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Why Leverage Data & Technology in Credit?

Quarterly Net Interest Margin Quarterly Efficiency Ratio*

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Better Decisions, Faster

How can we increase speed and efficiency, without sacrificing credit quality?

Warren BuffettApprove the loan immediately

Bernie MadoffDecline the loan immediately

(and probably contact FBI)

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A Better Future

• Financial information gathering• Spreading/ratios/cash flow• Covenant compliance• Collateral data and monitoring

• Management decisions impacting repayment ability• Market conditions• Anticipate and mitigate risks• Better deal structure, better pricing, better results

Automate the “What” To focus on the “Why”

Gather Information

Get Answers, Structure AppropriatelySpread Data Analyze & Ask

QuestionsApproval Process

Loan Request Approve à Fund

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Assessing the 5 Cs - Practical Application

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Monitoring Capacity - Practical Application

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Compliance - Practical Application

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Data Insight - Practical Application

Questions?