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There’s lending, and then there’s intelligent lending.

Identify profitable opportunities with essential solutions for every stage of the  commercial lending lifecycle.

The tools to succeed in every stage of your commercial lending lifecycle.

Our suite of data-driven solutions help you capitalize on business and revenue opportunities at every stage of the lending lifecycle. Are you closing the loop on your lending lifecycle?

Watch the video below to learn how the Commercial Prospecting platform can help you identify prospects for CRE and C&I loans.  Whether you are expanding your current customer base or looking for new relationships our database of commercial properties and UCC filings, matched to our business listings, gives you the information you need to grow your business.

There's lending, and then there's intelligent lending

Lend intelligently.

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  • Market Insight & Lead Generation
  • Pricing & Total Relationship Optimization
  • Credit Analysis & Assessment
  • Credit Surveillance & Portfolio Tracking
  • Portfolio & Lender Performance Analysis

Market Insight & Lead Generation

Inform your lending strategy with our market analysis solutions for commercial lending activity, local market characteristics, and bank-focused news and research. Leverage demographics and business listings to size your markets and prioritize initiatives. See how you stack up against the competition with commercial mortgage market share data, or use our mapping tools to visualize your footprint.

Once you’ve set your strategy, we help you pinpoint opportunities and execute on them. Use our Commercial Prospecting solution to screen for CRE and C&I opportunities that align to your lending strategy. Our prospect-matching tool provides relevant business and contact details, so you’ll have more time to make contact and close deals.

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Pricing & Total Relationship Optimization

Many banks sacrifice profitability due to a lack of insight around loan pricing. The Performance Optimization Program helps you maximize risk-adjusted revenue, while considering market conditions and total relationship profitability. Sourced directly from our clients’ commercial loan systems and updated monthly, our aggregated pricing data is driven by the key factors that impact pricing for new and renewing loans.

Management analytics let you monitor your pricing relative to the overall market, in-market competitors, and within your internal teams. Provide your lenders the insight needed to maximize risk-adjusted pricing for each deal. Our advisors serve as resources to help you develop a culture focused on optimizing loan pricing, without compromising your bank’s other business objectives.

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Credit Analysis & Assessment

Assessing your credit exposures and meeting regulatory requirements—including CECL (Current Expected Credit Losses)—doesn’t have to be a burden. With vital data on over 50 million public and private entities worldwide. Our credit risk analysis tools help you leverage historical, current, and forward-looking information to determine expected loss estimates. Plus, you can estimate losses over the life of the loan. Our scoring solutions, coupled with 30+ years of historical default, rating transition, and recovery data, help you efficiently and reliably monitor risk.

Credit Assessment Scorecards for 60+ sectors globally integrate both quantitative and qualitative risk factors to help you assess creditworthiness and probability of default with confidence.

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Credit Surveillance & Portfolio Tracking

Get a full view of the health of your portfolio with Credit Quality and Collateral Concentration dashboards in the SNL Banker solution. Drill down to highlight areas of potential risk within your own portfolio, and proactively mitigate those risks. Use the Credit Analytics dashboard to track your existing portfolio and activate alerts to notify you of changes to your risk exposure. Easily monitor your existing portfolio for upcoming renewals to equip your relationship managers for renewal and repricing conversations.

You can also identify weakening credit and strengthen surveillance with a range of quantitative models that generate short-term, medium-term, and long-term credit and probability of default (PD) scores, that broadly align with credit ratings from S&P Global Ratings.

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Portfolio & Lender Performance Analysis

We help you further develop your sales culture, monitor, and optimize the productivity of your lending teams with employee, branch, and regional scorecards. Drive incentive and performance reporting across management and down to your front lines. Our advisors help you optimize your pricing strategy and cultivate a culture to help all of your lenders make smarter and more profitable pricing decisions

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Recent awards include:

  • Best Credit Risk Management Product
  • Best Research Provider
  • Best Low-Latency Data Feed Provider

If your company has a current subscription with S&P Global Market Intelligence, you can register as a new user for access to the platform(s) covered by your license at S&P Capital IQ Pro or S&P Capital IQ.


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