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
- Report Update Cadence
- Report Format
- Opportunity Market Report
- Opportunity Cross-Sell Report
- Portfolio Cross-Sell Report
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.
|
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) |
|
Relationship Id |
guid |
The unique PrecisionLender identifier for the relationship associated with the loan. |
|
Pricing Region Id |
guid |
The unique precisionlender identifier for the region. |
|
Opportunity Owner Id |
guid |
The unique precisionlender identifier for the owner of the opportunity. |
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.
|
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 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.
|
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 |