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Commercial Lending Services

Expedite your loan decisions and enhance portfolio monitoring .

SG Analytics supports commercial banks across the lending life cycle. Our service offerings across strategy, origination, underwriting, and monitoring support allows our clients to introduce new products, enhance face time with their end-clients, expedite loan decisions, and improve loan monitoring.

Strategy Support

  • Custom industry studies and benchmarking exercises. Be on top of your sectors and make informed lending decisions.
  • Analyze competition and monitor product launches to stay abreast of market developments
  • Capture and analyze latest developments in the markets to power informed decision making by relationship managers
  • Analyze changes and trends in social media and their implications on lending markets
  • Conduct high-level analysis across sectors to identify opportunities for cross-selling

Origination Support

  • Accurate and time-bound spreading of historical financial statements into clients’ risk tool
  • Comprehensive risk analysis covering country, industry, and market-level risk
  • Update rent roll spreads, input loan details, and compare property prices
  • Quick analysis for initial quotes as part of the origination process

Underwriting Support

  • Draft loan appraisal notes based on a detailed analysis of borrowers’ financials including cash flows
  • Review lease abstracts for key economic terms, check tax and insurance status, and conduct guarantor/sponsor analysis
  • Set up covenant requirements and recommend preliminary risk rating

Monitoring Support

  • Periodic quarterly and annual reviews across the loan portfolio
  • Spread existing portfolio, monitor covenants, and ensure accurate input into the clients’ risk scoring tool
  • Loans watch list dashboards that deliver a one-stop platform for all loan analysis
  • Perform customized asset quality reviews within stipulated timelines

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