The Relationship Pricing Tab

In PrecisionLender, a Relationship contains the full picture of a customer relationship for the purposes of pricing and profitability management. Within each relationship page, there is a Pricing Tab and an Associations tab. The Relationship Pricing Tab shows the Profitability Calculation (Strategic Value, FTP Value, or Both Strategic / FTP) of the currently active loans and deposit accounts and the full Opportunity pricing history for the Relationship. You can access this tab for a relationship by clicking "Relationships" in the lower left corner of your screen in PrecisionLender, and clicking on a relationship to open the details.

 

Relationship Impact

Relationship Impact Graphs

The Relationship Impact charts provide a visualization of the performance of existing relationships and how new opportunities being priced impact those relationships based on strategic value and FTP value. For more information on the Relationship Impact charts, see Understanding Relationship Impact.

 

Accounts

Below the Relationship Impact section, you will see the details for the Opportunity Pricing History, including Open and Closed Opportunities, the details for each Active Loan Account and Active Deposit Account, showing current balances, current rates, Strategic Value, and Funds Transfer Value.

 

Opportunities

Here you will have the ability to:

  • Open a new opportunity that will be automatically associated with this Relationship.
  • Add or remove this Relationship from one of the listed opportunities.
  • View all past and present opportunities associated with this Relationship
    • The Opportunity Screen
    • Clicking on the name of an opportunity will open it for viewing or editing.
    • Last Updated timestamp refers to the last date an opportunity in that section was saved.

 

Open Opportunities section

 

Active Core Relationships

  • Shows the relationships from your core system that are included in this Relationship in PrecisionLender.
  • Each core relationship has a number on the far left that is used to identify which relationship each active account is related to.

 

Active Accounts

  • List all active loan, deposit, and other core accounts that are associated with this Relationship.
  • Search for accounts using the search bars at each account level.
  • Last Updated timestamp reflects the date of your banks most recent Relationship Awareness processing. 

Active Accounts Section

 

Product
  • Product type of this account as imported from the core system.
  • Determines many of the assumptions that will be used to calculate the value of this account.
    • If the Product has been disabled, the Product's most recent assumptions will be used to calculate profitability.
  • Clicking the chevron to right of the product name opens the core account details popup where you can:
    • See the account data that was imported from the core system.
    • See the inputs that are used to calculate the Strategic and FTP Value of this account.

Relationship

  • Name of core relationship the account is associated with.
Comments
  • Displays any comments that are included as part of the import from the core system.

Maturity

  • Maturity date of this account
  • This value is imported from the core system.

Risk Rating

  • Risk Rating associated with this account.
  • This value is imported from the core system.

Facility Rating

  • Facility Rating associated with this account.
  • This value is imported from the core system.

Payoff

  • Indicates if this account has been marked as being paid off by any of the open opportunities.
    • An empty box means the account  has not been marked to payoff.
    • A check mark means the account has been marked to payoff.
  • Can only be changed in the Payoff/Renewal field of the opportunity

 

Rate

  • Current interest rate for this account.
  • This value is imported from the core system.
Amount/Commitment
  • Original commitment of this account.
  • This value is imported from the core system.
Current Balance
  • Balance of this account at the time the data was last pulled from the core system.
Average Balance
  • If the import from the core system includes an average balance, it will be displayed here.
    • If not, PrecisionLender will calculate a trailing 12 month average of the balance
    • If there are less than 12 months of data, PrecisionLender displays a time weighted average.

Return on Equity (ROE)

  • This is the strategic or FTP net income divided by average equity.

Net Income

Average Pre-tax Income (Other Accounts Only)

  • The annual amount of pre-tax income for the account from your core system. If a monthly value is provided, PrecisionLender will annualize this amount until we have enough data to construct an annual sum.

 

Core Account Details

You can click the chevron icon (You can click the chevron icon, shown here, for account details) in the "Product" field to open a popup with more information about the data being sent to PrecisionLender from your core system for a specific product.

Shows the core account details popup that appears when you click the chevron on an active loan account

  • Product tab

    • Displays the general terms of the loan. 
  • Import Data tab

    • Displays data that PrecisionLender has imported from your core system.
      • Transformed Values
        • Information shown here has been translated from your data files to values used by our engine.
      • Transformation Log
        • Describes how the data translations took place during data processing.
      • Raw Imported Values
        • The data sent from your core system before any translations.
  • Strategic Value or FTP Value tab

    • Depending on your organization's default settings, this tab displays the Strategic or FTP Value financial statements for loan and deposit accounts
  • Additional Info tab

    • displays collateral and lien information.