PrecisionLender gives you the power to structure a loan, and calculates the returns for you. The footer section of the Opportunity Screen shows you where your Opportunity stands compared to your targets and make it easy to keep track of your relationship's performance whilst pricing an Opportunity.
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The Opportunity Summary is a representation of the target defined by your bank and the Opportunity's returns. You can change the type of returns (if your bank has more than one available) you want to see, and toggle between Chart and Table view.
Both bars will be identical if you only have one product in the Opportunity.
- Top Bar
- Shows the returns for the specific product you're pricing. If your Opportunity has multiple products (more than one loan, Deposits, or Fee-based products) the Top Bar will change depending on which product tab you're on.
- Bottom Bar
- If your Opportunity has multiple products the Bottom Bar will show the weighted returns for the overall Opportunity. If your Opportunity has only one product, this will be identical to the Top Bar.
- Target Line
- The black lines and percentages in the chart reflect the target returns or net income pre-determined by your bank.
- If your bank has set Product Level Up as the Target Level Strategy, the target line in the bottom bar will reflect the weighted target for the overall Opportunity. The target for each product can be set at the Commercial Product Configuration page.
- If your bank has set Relationship Level Down as the Target Level Strategy, the target line in the bottom bar will reflect the target for the region of the Relationship. The region's target can be set at the Region Configuration page.
Relationship Impact Summary
If a relationship has been attached to the opportunity, the Relationship Impact Summary shows how the Opportunity you're pricing will impact the value of your existing relationship (see Understanding Relationship Impact). If a relationship is not attached to the Opportunity, this portion of the footer will be empty.
- If We Lose
- Shows what will happen to the relationship if you lose this Opportunity to a competitor. This value is adjusted when existing accounts are marked At Risk on the Relationship Impact Tab, otherwise this value will be identical to the Existing Relationship value.
There are situations where this value can actually be higher than your Existing Relationship value or your If We Win value. Examples of when this can occur are: when using Payoffs and reducing the rate on an existing account or when marking an account that is a net cost to your bank as At Risk.
- Existing Relationship
- This is where you'll see your baseline of where the relationship is today without factoring in the Opportunity at all.
- If We Win
- Shows what the relationship would look like if you win the Opportunity and keep existing accounts that are not being renewed or paid off.
- The ellipsis icon on the top-right corner gives the options to choose between the views for:
- Net Income and Return on Assets or Equity
- Chart or Table