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Delivery to Promise Dashboard

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After an opportunity with promised deposits has been Closed-Won, how do you track whether or not the borrower actually delivered on their promise to transfer their deposit(s)? PrecisionLender's Delivery to Promise dashboard can help. For users with Relationship Awareness, the Delivery to Promise dashboard is a visual representation of the actual deposit types and balances tied to relationships flowing over from your core system compared to the deposits that were promised by the borrower. Opportunities that are priced and closed in PrecisionLender, with deposits that were promised, that are attached to a relationship will be displayed on the Delivery to Promise dashboard.

This article covers these components of viewing and using the Dashboard:

Delivery Window

The Delivery to Promise dashboard uses a “Delivery Window” to help detect whether the client committed the deposits that were promised. The Delivery Window is the time from the opportunity close date to six months past the opportunity close date.

How to view the Dashboard

Access to the Delivery to Promise dashboard is controlled by a setting in your Security Profile. If you don't see the Dashboard option, please check your Security Profile or reach out to your local administrator for help.

Once you have access, you can click "Relationships" on the lower left side of your screen and then "Dashboard" to view the Delivery to Promise dashboard.

Shows how to access the Deilvery to Promise Dashboard

 

How to use the Dashboard filters

You can use the filters at the top of the Dashboard to adjust what gets included in the chart and grid below.

Shows the dashboard filter options

Filter and View options

1 - Filter Bar. The filter bar displays the current scope of the opportunities with promised deposits included in the Dashboard. On the left side of the filter bar, you can filter opportunities by Region and User. The bar will collapse when there is a long regional hierarchy, long region name, or the browser window is too small to display the full path. Three dots will appear when a region name cannot be fully displayed and you may hover over the three dots to see the region name or click on the three dots to display that region. In the image above, the Dashboard is displaying opportunities at the overall bank region of PrecisionLender Support Bank. 

2 - Export Button. Clicking the Export button will open a file dialog, prompting you for a location to save an xml representation of the current scope of the Dashboard.

3 - Time Duration Filter. Only opportunities closed within the time duration you select will be displayed on the Dashboard. 

4 - Relationship or Owner Grouping. Click and make a selection to group promised deposits by relationship, or by the relationship owner.

5 - Product View. Click and make a selection to switch between:

  • Deposits or Other Accounts (Default)
  • Deposit Accounts
  • Other Accounts

6 - Deposit Type View.  Click and make a selection to switch between:

  • All Deposits (Default)
  • Zero Interest Demand
  • Interest Bearing Demand
  • Timed Deposit  

 

Delivery to Promise Chart

Shows the dashboard charts

 

Bars

You can group deposits by Relationship or by Owner (see #4 above). Each grouping of promised deposits is displayed as a bar within the chart. You can hover over each bar to see additional details.

  • Width – The widths of the bars are proportional to Promised Deposits. Larger Promised deposits have wider bars.
  • Height – Bar height is proportional to the share of Promised Deposits. Where the bars are higher, more deposits were promised.
  • Bar Fill – Lighter color signifies "Promised" deposits, darker color signifies "Delivered" deposits.
  • Hover – Hovering over the bar produces a popup.
    • Grouping Name (either Relationship or Owner)
    • Promised – deposits promised
    • Delivered – deposits delivered
    • ROE – weighted average opportunity return
    • Loans ROE – weighted average loans return
    • Opportunity Count – number of opportunities included in the grouping

Rows

Rows below the bars contain additional details.

  • Promised – The total Average Deposit Balance from all of the opportunities in the grouping
  • Delivered – The total change in deposit balance from the close date of the oldest opportunity for each relationship.
  • Loans Only ROE – The weighted average loans' return for all of the opportunities. The weighted average = sum of loans' net income / sum of loans' average equity
  • Loans Target ROE – The weighted average loans' Return Targets for all of the opportunities.

 

Delivery to Promise Grid

Shows the dashboard grid

The Grid contains a list of all the opportunities that are represented in the chart. By default, the Grid is sorted alphabetically by "Relationship", but you can also sort it by clicking on a column header. Any filters applied to the chart are applied to the grid. You can click the name of any individual Relationship or Opportunity to open it in PrecisionLender.

If a Relationship has multiple Opportunities associated with it, a "+" will show up to the left of the Relationship. Click the "+" to expand the grid and view associated Opportunities. 

Grid Columns

Relationship

The name of the relationship with promised deposits and/or other products.

Opportunity

The name of the opportunity with promised deposits and/or other products.

Close Date

The “Close Date” on the grid is the opportunity close date in PrecisionLender. For a relationship with multiple opportunities, you’ll need to expand the relationship to view the close dates.

Owner

When the relationship contains a single opportunity with promised deposits and/or other products or has multiple opportunities but has not been expanded, the "Owner" listed on the Grid is the relationship owner. When expanded, the “Owner” on the parent row is still the relationship owner, but the “owner” shown next to each opportunity in the child rows is the opportunity owner.

Commitment

When the relationship contains a single opportunity with promised deposits and/or other products or has multiple opportunities but has not been expanded, the “Commitment” amount is the total loan commitment of opportunities with promised deposits for the relationship. When expanded, the “Commitment” amount on the parent row is still the total loan commitment for the relationship, but the “Commitment” shown next to each opportunity in the child rows is the total loan commitment for the opportunity.

ROE

When the relationship contains a single opportunity with promised deposits and/or other products or has multiple opportunities but has not been expanded, the “ROE” is the weighted average return for all opportunities with promised deposits and/or other products for the relationship. When expanded, the “ROE” on the parent row is still the weighted average return for the relationship, but the “ROE” shown next to each opportunity in the child rows is the weighted average return for the opportunity.

Deposits Promised

When the relationship contains a single opportunity with promised deposits or has multiple opportunities but has not been expanded, the “Deposits Promised” amount is the total promised deposits for opportunities in the relationship. When expanded, the “Deposits Promised” amount on the parent row is still the total deposits promised for the relationship, but the “Deposits Promised” shown next to each opportunity in the child rows is the total deposits promised for the opportunity.

Change in Deposit Balance

The “Change in Deposit Balance” shows how the deposit balance has changed after the opportunity closed.

Shows the change in deposit balance popup

When you hover over a figure in the Change in Deposit Balance column, you'll see a popup that contains more information. If the relationship has more than one closed opportunity, then you'll need to expand the relationship to see the popup with the Change in Deposit Balance information for the opportunity.

  • The date range in the popup is the Delivery Window, which starts with the opportunity close date and ends six months after that close date.
  • We use values imported through Relationship Awareness to arrive at the Beginning Balance, Average Balance, Max Balance, and Ending Balance figures in the popup.
    • Beginning balance shows what the deposit balance for the relationship was when the opportunity closed, at the beginning of the Delivery Window.
    • Average Balance
      • First, for each deposit account in the overall relationship, we take an average of all the balances that were imported during the Delivery Window.
      • We then sum the average balances for all deposits that came in via RA during the Delivery Window, and display that sum for Average Balance in the popup.
    • Max Balance
      • First, we take the max balance for each deposit account in the overall relationship during the Delivery Window.
      • We then sum the max balances for all deposits that came in via RA during the Delivery Window, and display that sum for Max Balance in the popup.
    • Ending Balance
      • First, for each deposit account in the overall relationship, we take the last current balance within the Delivery Window.
      • We sum the resulting ending balance for all the deposits that came in via RA during the Delivery Window to show the relationship's Ending Balance in the popup.

Other Promised

When the relationship contains a single opportunity with promised deposits or has multiple opportunities but has not been expanded, the “Other Promised” amount is the total promised ‘other products’ for opportunities in the relationship. When expanded, the “Other Promised” amount on the parent row is still the total ‘other products’ promised for the relationship, but the “Other Promised” shown next to each opportunity in the child rows is the total ‘other products’ promised for the opportunity.

Change in Other Income

The “Change in Other Income” shows how the ‘other products’ balance has changed between the opportunity close date and the current date.

Loans ROE

When the relationship contains a single opportunity with promised deposits and/or other products or has multiple opportunities but has not been expanded, the “Loans ROE” is the weighted average return for the relationship excluding the promised deposits and other products. When expanded, the “Loans ROE” on the parent row is still the weighted average return for the relationship excluding the promised deposits and other products, but the “Loans ROE” shown next to each opportunity in the child rows is the weighted average return for the loans in the opportunity.

Loans Target ROE

When the relationship contains a single opportunity with promised deposits and/or other products or has multiple opportunities but has not been expanded, the “Loans Target ROE” is the weighted average target return for the relationship excluding the promised deposits and other products. When expanded, the “Loans Target ROE” on the parent row is still the weighted average target return for the relationship excluding the promised deposits and other products, but the “Loans Target ROE” shown next to each opportunity in the child rows is the weighted average target return for the loans in the opportunity.

 

Please note that if certain deposit or ‘other products’ available in the opportunity are not fed to us from your core system, then those opportunities will show as underdelivered.

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