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The Relationship Pricing Tab

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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

Graphs showing relationship impact, strategic value, and funds transfer value

Strategic Value

Funds Transfer (FTP) Value

  • The value as of the date the loans were last repriced (FTP calculation date); for fixed rate loans, this will be the when the loan originated, and for floating or adjustable rate loans, it will be when the loan last adjusted. This represents interest expense from the Cost of Funds curve at either origination or last re-pricing.


What Each Category Shows

Loan Balance

  • Total balance of all loans in this Relationship.


  • Maximum retained amount that could be drawn over the lifetime of the accounts.
  • The outstanding balance of a term loan, or the credit limit of a line of credit.

Net Commitment

  • The difference between the amount of the new commitment and the existing commitment the borrower intends to pay off.

Net Funding

  • The difference between the amount of a new loan and the payoff or renewal balance.


  • Total balance of all deposits in this Relationship.

Other Fees

  • Total balance of all fees or treasury services in this Relationship.

Net Income

  • Weighted Annualized Net Income for all accounts in that category.

If We Lose

  • Remaining Accounts if:
    • All opportunities are lost.
    • All At Risk accounts are lost.

At Risk

  • All accounts marked as At Risk.


  • All currently active accounts.


  • All Accounts marked as Payoff or Renewal.


  • All open opportunities for this Relationship.

If We Win

  • All Open Opportunities
  • Plus all Current Accounts
  • Minus all accounts marked as Payoff or Renewal



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.



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


Fields showing open and closed opportunities within relationship


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.

The active loan, deposit, and other accounts that are part of a relationship are shown here


  • 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.
    • p means the account  has been marked to payoff.
  • Can only be changed in the Payoff/Renewal field of the opportunity
At Risk
  • Indicates if this account has been marked as At Risk by any of the open opportunities.
    • An empty box means the account  has not been marked as At Risk.
    • r means the account  has been marked As At Risk.
  • Can be changed in the Payoff/Renewal field of the opportunity or on the Relationship Impact Tab of the opportunity.
Core Account Identifier (Core_Account_Identifier.png)
  • Indicates what Core Relationship this account is associated with.
  • 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.
  • Opens a popup where you can:
    • Set an expected payoff date for this account (Loan Accounts Only).
    • 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.
  • Displays any comments that are included as part of the import from the core system.
Risk Rating
  • Risk Rating associated with this account.
  • This value is imported from the core system.
  • 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.
  • Current interest rate for this account.
  • This value is imported from the core system.

Net Income

Return on Equity (ROE)

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

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.
Additional Information (A link to more information)
  • Opens a popup showing:
    • Guarantors for loan accounts
    • Signers and Co-Signers for deposit accounts
    • Any collateral associated with this account
    • Any associations this account has to other Relationships such as:


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.

Once you click the chevron icon, you can pick from several tabs (discussed below) for core account information

  • General tab

    • Displays the Owner and Risk Rating for a 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.
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