Overview

To support detailed analyses, there are reports available for users via the Data Library section of the PrecisionLender application. Detailed below are the reports that are available as part of the Market Insights package.

Note

Market Insights is a premium service for clients. If you are interested in adding Market Insights for your organization, please reach out to our support team at support@precisionlender.com.

 

In This Article

 

Report Location

The reports are available within the Data Library, Market Insights folder

Please reach out to customer support if you are unable to view or access the Market Insights reports.

 

Report Update Cadence

Opportunity reports are run on a weekly cadence, on Saturdays. This ensures that the latest opportunity snapshots of the week are captured in the report.

Portfolio reports are generated the next day either following each RA run, or whenever there are updates to the market data.

Note

All reports provide the most recent snapshot of the portfolio. Historical data is made available through Data Studio, which is a premium service. Please contact customer support for more information.  

 

Report Format

All reports are made available in CSV format and can be downloaded.

 

Opportunity Market Report

This report contains the most recent market quartiles and market averages for loan spreads, as well as the most recent market averages for initial fees and unused LOC fees. It includes loan accounts from the pipeline scenarios of opportunities modified within the last 12 months.

Opportunity Market Report

Field Name

Data Type

Description

Account Id

GUID

The unique PrecisionLender identifier for the loan account.

Opportunity Name 

string

The name of the Opportunity 

Opportunity Id 

GUID

The unique PrecisionLender identifier for the Opportunity.

Last Modified 

timestamp

The timestamp the Opportunity containing the account was last saved (YYYY-MM-DD HH:MM:SS AM/PM). 

Opportunity Stage 

string

The name of the bank assigned Opportunity stage.

Relationship Name

string

The name of the associated business relationship.

Opportunity Owner Name 

string

The full name of the Opportunity owner.

Opportunity Owner Email 

string

The email of the Opportunity owner.

Pricing Region 

string

The name of the PrecisionLender region where the loan is being priced

Product 

string

The name of the loan product.

Tax Exemption Option 

string

The tax exemption option on an account, if applicable.

Term 

integer

The length of the loan in months.

Credit Relationship Size 

float

The sum of all existing loan balances for the relationship plus the sum of loan amounts from the pipeline scenario of the Opportunity.

 Renewal 

string

Identifier to show if a loan account is a renewal

 Risk Rating 

string

The risk rating for the loan account.

Probability of Default 

numeric

The calculated probability of default based on risk factors

Loss Given Default 

numeric

The calculated loss given default value

 Loss Given Default Grade  

string

The grade associated with the loss given default

Collateral Effective Value

double

The value of the collateral considering prior liens and the recovery factor.

Effective LTV

double

The ratio of the Loan value to the Effective Value of the Collateral.

Loan to Value Percent

double

The loan-to-value ratio associated with a facility rating, under the Loss Given Default

 Commitment 

numeric

The total commitment amount of the loans on the pipeline scenario of the Opportunity

 Payment Type 

string

The payment type associated with the loan.

 Rate Type 

string

The rate type associated with the loan.

 Rate 

numeric

The total interest rate on the loan at the time of pricing.

 Adjustable Rate Spread 

numeric

The spread from the index rate to the current rate charged on a loan.

 Adjustable Rate Index 

string

The name of the underlying index rate of the loan.

Adjustable Rate Index Base 

string

The name of the underlying base index rate of the loan.

Pre LP Cost Of Funds

numeric

The ratio of raw interest expense to average assets for the loan.

 Fees Annual Dollars 

float 

The total annual fees across all loans on the opportunity as a dollar amount

 Fees Initial Dollars 

float 

The initial fee across all loans on the opportunity as a dollar amount.

Bank Initial Fee bps

float

The initial fees in basis points of the amount of the loan.

Bank Unused LOC Fee bps

float

The unused line of credit fee, expressed in basis points.

Market Bank Region 

string

The Bank Region that was used to look up the spread guidance recommendation in the spread guidance matrix

 Relationship Annual Sales 

numeric

the Relationship Annual Sales that was used to look up the spread guidance recommendation in the spread guidance matrix

 Postal Code 

string

The postal code of the relationship associated with the Opportunity

 Industry Code 

string

The industry code of the relationship associated with the Opportunity

Input Probability of Default

Numeric

The calculated probability of default used to identify the market comparison

Product Group

String

The PrecisionLender market product group that was used for the comparison

Bank Average Spread bps

numeric

The average spread of the loan comps from the bank

Market Reference Date

timestamp

The date of the PrecisionLender market that was used for comparison

 Spread Guidance Recommendation Details

string

Explanation of the result from the spread guidance process. There are 3 possible messages: "Recommendation made.", "This account is missing some of the required data.", or "This account does not fit into comparable market bands."

 Market Spread Average bps

numeric, in bps

The average spread for loans like this one, based on the market model.

 Market Spread 25th Percentile 

numeric, in bps

The 25th percentile of spreads for loans like this one, based on the market model.

 Market Spread 50th Percentile 

numeric, in bps

The 50th percentile (median) of spreads for loans like this one, based on the market model.

 Market Spread 75th Percentile 

numeric, in bps

The 75th percentile of spreads for loans like this one, based on the market model.

 Loan Fee Guidance Recommendation details

string

Explanation of the result from the loan fee guidance process. There are 3 possible messages: "Recommendation made.", "This account is missing some of the required data.", or "This account does not fit into comparable market bands."

 Market Initial Fee Bps Average 

numeric, in bps

The average initial fee for loans like this one, based on the market model.  (In basis points)

 Market Unused Fee Bps Average 

numeric, in bps

The average unused line of credit fee for loans like this one, based on the market model.  (In basis points)

 

Opportunity Cross-Sell Report

This report is intended to provide users with market insights on potential cross sell products and services. This report provides the details on deposit and non-credit products found in relationships that match the given postal code, industry and gross revenues.

Opportunities that have been modified within the last 12 months and that have at least one loan account are shown on the report irrespective of their status.

Opportunity Cross-Sell Report

Field Name

Data Type

Description

 Opportunity Name 

string

The name of the Opportunity 

 Opportunity Id 

GUID

The unique PrecisionLender identifier for the Opportunity.

Postal Code

Integer

The postal code of the relationship, if the user has provided one within the Andi window.  Otherwise, the postal code of the relationship from Relationship Awareness data.

Industry Code

Integer

The industry code of the relationship, if the user has provided one within the Andi window.  Otherwise, the industry code of the relationship from Relationship Awareness data.

Annual Gross Revenue

Numeric

The Annual Gross Revenue of the relationship, if the user has provided one within the Andi window.  Otherwise, the Annual Gross Revenue of the relationship from Relationship Awareness data.

 Last Modified 

timestamp

The timestamp the Opportunity containing the account was last saved (YYYY-MM-DD HH:MM:SS AM/PM). 

 Opportunity Stage Name

string

The name of the bank assigned stage.

 Opportunity Owner name 

string

The full name of the opportunity owner.

Opportunity Owner Email 

string

The Email of the opportunity owner.

 Pricing Region 

string

The name of the PrecisionLender region where the loan is being priced

Pricing Region id

GUID

The unique PrecisionLender identifier of the PrecisionLender region where the loan is being priced

Relationship Name

string

The name of the associated business relationship.

Relationship ID

GUID

The unique PrecisionLender identifier for the relationship associated with the loan.

Relationship Owner name

string

The name of the relationship owner.

Relationship Owner ID

GUID

The unique PrecisionLender identifier for the relationship owner.

Relationship Region

string

The region associated with the relationship owner

Relationship Region id

GUID

The unique PrecisionLender identifier for the region associated with the relationship owner

Relationship Postal Code

integer

The postal code associated with the relationship

Relationship Industry Code

integer

The industry code associated with the relationship

Relationship sales amount

numeric

The total sales amount of the relationship

Relationship Loan Commitment

Numeric

Total loan value across all accounts on the relationship

Opportunity Loan Commitment

Numeric

Total loan value priced in the Opportunity

 Relationship Deposit Balance

Numeric

Total deposit value on the relationship

Opportunity Deposits

Numeric

Total deposit value on the Opportunity

Input Sales Amount

numeric 

The sales value of the relationship, if provided one within the Andi window.

Input Postal Code

numeric

The postal code of the relationship, if provided one within the Andi window. 

Input Industry Code

numeric

The industry code of the relationship if provided one within the Andi window

Market Reference Date

timestamp

The date of the latest market comparison

Relationship RA Run timestamp

timestamp

The timestamp and time of the RA run that the relationship was sourced from

Market Recommendation Detail

String

Explanation of the result from the cross sell guidance process. There are 3 possible messages: "Recommendation made.", "This account is missing some of the required data.", or "This account does not fit into comparable market bands."

Market Non-Credit Product 1

String

Non-credit product recommendation from market information based on the Postal code, industry and gross revenues

Market Non-Credit Revenue 1

Numeric

Average revenue for the related non-credit product recommendation from market information based on the Postal code, industry and gross revenues

Market Non-Credit Product 2

String

Non-credit product recommendation from market information based on the Postal code, industry and gross revenues

Market Non-Credit Revenue 2

Numeric

Average revenue for the related non-credit product recommendation from market information based on the Postal code, industry and gross revenues

Market Non-Credit Product 3

String

Non-credit product recommendation from market information based on the Postal code, industry and gross revenues

Market Non-Credit Revenue 3

Numeric

Average revenue for the related non-credit product recommendation from market information based on the Postal code, industry and gross revenues

Market Deposit Product 1

String

Deposit product recommendation from market information based on the Postal code, industry and gross revenues

Market Deposit Balance 1

Numeric

Average balance for the related deposit product recommendation from market information based on the Postal code, industry and gross revenues

Market Deposit Product 2

String

Deposit product recommendation from market information based on the Postal code, industry and gross revenues

Market Deposit Balance 2

Numeric

Average balance for the related deposit product recommendation from market information based on the Postal code, industry and gross revenues

Market Deposit Product 3

String

Deposit product recommendation from market information based on the Postal code, industry and gross revenues

Market Deposit Balance 3

Numeric

Average balance for the related deposit product recommendation from market information based on the Postal code, industry and gross revenues

 

 

Portfolio Market Report

This report contains the most recent market quartiles and market averages for loan spreads, as well as the most recent market averages for initial fees and unused LOC fees.  It includes all loans in your bank's active portfolio.

Portfolio Market Report

Field Name

Data Type

Description

 Account Id 

GUID

The unique PrecisionLender identifier for the account.

 Relationship Name

string

The name of the associated business relationship.

 Owner Name

string

The full name of the account owner.

 Owner Email 

string

The Email of the account owner.

 Pricing Region 

string

The name of the PrecisionLender region where the loan is being priced

 Product 

string

The name of the product associated with the loan.

 Tax Exemption Option 

string

The tax exemption option on an account, if applicable.

 Term 

integer

The length of the loan in months.

 Credit Relationship Size 

float

The total balance of all loans on the relationship and the current pipeline Opportunity

 Risk Rating 

string

The risk rating for a loan account.

 Probability of Default 

numeric

The calculated probability of default based on risk factors

 Loss Given Default 

numeric

The calculated loss given default value

Commitment 

numeric

The total balance of all loans on the relationship and the current pipeline Opportunity

Renewal

string

Identifier to show if a loan account is a renewal

 Payment Type 

string

The payment type associated with the loan.

 Rate Type 

string

The rate type associated with the loan.

 Rate 

numeric

The total Interest rate on the loan at the time of pricing.

 Adjustable Rate Spread 

numeric

The spread from the index rate to the current rate charged on a loan.

 Adjustable Rate Index 

string

The name of the underlying index rate of the loan.

 Adjustable Rate Index Base 

string

The name of the underlying base index rate of the loan.

 FTP Cost Of Funds  

numeric

The funds transfer (FTP) cost of funds rate that was assigned to the loan at the time of closing.  If not provided via RA, PrecisionLender has approximated this value using the funding curve at the loan origination date or most recent renewal

Fees Annual Dollars

numeric

The total annual fees across all loans on the relationship as a dollar amount

Bank Initial Fee Bps

numeric

The initial fees in basis points of the amount of the loan.

Bank Unused LOC Fee bps

 

The unused line of credit fee, expressed in basis points.

 Market Bank Region 

string

The Bank Region that was used to look up the spread guidance recommendation in the spread guidance matrix

 Relationship Annual Sales 

numeric

the Relationship Annual Sales that was used to look up the spread guidance recommendation in the spread guidance matrix

 Postal Code 

string

The postal code of the relationship

 Industry Code 

string

The industry code for the relationship

 Product Group 

string

The market product group that the loan products were mapped to for comparison

 Spread Guidance Recommendation Details

string

Explanation of the result from the spread guidance process. There are 3 possible messages: "Recommendation made.", "This account is missing some of the required data.", or "This account does not fit into comparable market bands."

Bank Average Spread 

double

The average spread of all loans within the relationship

 Market Spread Average 

double

The average interest rate measured for the market for a given loan.

 Market Spread 25th Percentile 

double

The interest rate at the 25th percentile of the market for a given loan.

 Market Spread 50th Percentile 

double

The interest rate at the 50th percentile of the market for a given loan.

 Market Spread 75th Percentile 

double

The interest rate at the 75th percentile of the market for a given loan.

Unused LOC Fee bps

double

The total unused LOC fees on the relationship across all loan accounts

 Loan Fee Guidance Recommendation details

string

Explanation of the result from the loan fee guidance process. There are 3 possible messages: "Recommendation made.", "This account is missing some of the required data.", or "This account does not fit into comparable market bands."

Market Initial Fee Average bps

numeric, in bps

The average initial fee rate measured for the market for a given loan.

Market Unused LOC Fee Average bps

numeric, in bps

The average unused fee rate measured for the market for a given loan.

Market Reference Date

timestamp

The timestamp of the most recent market comparison run

RA Run Date

timestamp

The timestamp and time of the RA run that the relationship was sourced from

 

 

Portfolio Cross-Sell Report 

This report is intended to provide users with market insights on potential cross sell products and services. This report provides the details on deposit and non-credit products found in relationships that match the given postal code, industry and gross revenues.

Portfolio Cross-Sell Report

Field Name

Data Type

Description

Relationship id

string

The unique PrecisionLender identifier for the relationship associated with the loan.

 Relationship Name

string

The name of the associated business relationship.

Relationship Owner id 

GUID

The unique PrecisionLender identifier for the relationship owner.

Relationship Owner Name

string

The name of the relationship owner.

Relationship Owner Email 

string

The Email of the relationship owner

 Relationship Owner Region 

string

The region associated with the relationship owner

 Relationship Owner Region id

GUID

The unique precisionlender identifier for the relationship owner region

Relationship Postal Code

integer

The postal code associated with the relationship

Relationship Industry Code

integer

The industry code associated with the relationship

Relationship Sales Amount

numeric

The sales value of the relationship

Input Relationship Postal Code

integer

The postal code of the relationship, if provided one within the Andi window. 

Input Relationship Industry Code

integer

The industry code of the relationship if provided one within the Andi window

Input Relationship Sales amount

numeric

The sales value of the relationship, if provided one within the Andi window.

Relationship Loan Commitment

Numeric

The total balance of all loans on the relationship

 Relationship Deposit Balance

Numeric

Total deposit value on the relationship

Recommended Relationship Deposit Balance

Numeric

Average total balance for the related deposit product recommendations from market information based on the Postal code, industry and gross revenues

Recommended Relationship NonCredit Revenue

numeric

Average total non credit revenue for the non credit product recommendations from market information based on the Postal code, industry and gross revenues

Market Recommendation Detail

string

Explanation of the result from the spread guidance process. There are 3 possible messages: "Recommendation made.", "This account is missing some of the required data.", or "This account does not fit into comparable market bands."

Cross client Market timestamp

timestamp

The date of the latest market comparison

Relationship RA Run Timestamp

timestamp

The timestamp and time of the RA run that the relationship was sourced from