Delivery to Promise Data Set

The Delivery to Promise data set helps track whether or not the borrower actually delivered on their promise to transfer their deposit(s) after an opportunity with promised deposits has been Closed-Won.  For users with Relationship Awareness, the Delivery to Promise data set provides 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 with promised deposits or other products, attached to a relationship, and closed-won in PrecisionLender will be included in the Delivery to Promise data set.

Note

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

The Delivery to Promise data set is a CSV (comma-separated values) file that can be viewed in a spreadsheet as rows and columns. For any particular opportunity, there will be one row in the Delivery to Promise data set for each Deposit Type that exists on the opportunity.  For example, if an opportunity includes two interest-bearing demand deposits and four timed deposits, then there will be two rows in the Delivery to Promise data set: one for each Deposit Type. In total, there are 3 possible deposit types, indicated in the column called “Deposit Type”:

  • Interest Bearing Demand
  • Zero Interest Demand
  • Timed Deposit

The column “Opp Deposits Promised” is the sum of all deposits on the opportunity matching the Deposit Type of that row. The column “Opp Deposits Promised All Types” equals the sum of all deposits on the opportunity, regardless of Deposit Type.

 

Delivery Windows

The Delivery to Promise data set includes several “Delivery Windows” to help detect whether the client committed the deposits that were promised. Each Delivery Window begins at the opportunity close date, and then extends to a number of months past the opportunity close date. Delivery Windows of length 6, 12, 24, and 36 months are provided.

The end date for a Delivery Window of length X months is the date of the latest RA run less than or equal to the Opportunity Close Date plus X months. If, on the day that the Delivery to Promise data set is created, X months have not yet fully elapsed, then the Delivery Window End date will be the most recent RA Run Date.

For example, consider an opportunity with Opportunity Close Date of 10/15/2021, and suppose that today is 7/1/2022.

  • The Delivery Window End date for the 6-month Delivery Window will be the closest RA run date less than or equal to 4/15/2022.
  • The Delivery Window End date for the 12-month Delivery Window will be the most recent RA Run Date. This means that the 12-month Delivery Window is of shorter duration than 12 months, because a full 12 months have not yet elapsed since the Opportunity Close Date.

 

How to view and filter the Data Set

To view the data set, download the CSV file from the Data Library.

You can then open the CSV file in any application that uses CSV files, such as Excel, Google Sheets, Tableau, Power BI, etc. You can then make use of the filtering capabilities there.

You may wish to filter on:

  • Deposit Type (Zero Interest Demand, Interest Bearing Demand, or Timed Deposits)
  • Date Range (e.g. only include Opportunities that have Close Dates within the last year)
  • Opportunity Owner
  • Opportunity Owner’s Region
  • Relationships with total deposits greater than $250,000

 

Columns in the Delivery to Promise Data Set

Field Name Data Type Description
Relationship Name string The name of the relationship.
Relationship Owner string The full name of the relationship owner
Relationship Owner Region string The region of the relationship owner
Deposit Type string The deposit product type: one of ZeroInterestDemand, InterestBearingDemand, or TimedDeposit
Last RA Run Date date The most recent RA Run Date for this combination of Relationship and Deposit Type
Last Core Balance Per Deposit Type double The total deposit value on this relationship for this Deposit Type, as of the Last RA Run Date
Last Core Balance All Deposits double The total deposit value on this relationship across all Deposit Types, as of the Last RA Run Date
Opportunity Name string The name of the opportunity
Opportunity Owner string The full name of the opportunity owner
Opportunity Owner Region string The region of the opportunity owner
Opportunity Last Modified date The date that the opportunity was last modified in PrecisionLender
Opportunity Close Date date The close date of the opportunity
Opp Loan Commitment double The total loan commitment on the opportunity
Opp Deposits Promised double The total deposit value on this opportunity for this deposit type
Opp Other Income Promised double The total other income promised on this opportunity
Opp Deposits Promised All Types double The total deposit value on this opportunity across all deposit types
Opportunity ROE double The return on equity for the full opportunity
Opportunity Target ROE double The target ROE for the full opportunity
Opportunity Average Equity double The average equity for the full opportunity
Opportunity Loan Only ROE double The ROE for the all the loans on the opportunity
Opportunity Loan Only Target ROE double TheTarget ROE across all loans on the opportunity
Opportunity Loan Only Average Equity double The average equity across all loans on the opportunity
Relationship Id guid The unique PrecisionLender identifier for the relationship.
Opportunity Id guid The unique PrecisionLender identifier for the opportunity
Delivery Window Start date The date of the first RA Run following the Opportunity Close Date
Starting Balance double The relationship deposit balance for this Deposit Type as of the Delivery Window Start
Avg Balance 6 double Average relationship deposit balance for this Deposit Type during the 6-month Delivery Window
Max Balance 6 double Maximum relationship deposit balance for this Deposit Type during the 6-month Delivery Window
Ending Balance 6 double The relationship deposit balance for this Deposit Type as of the Delivery Window End 6
Delivery Window End 6 date The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 6 months
Avg Balance 12 double Average relationship deposit balance for this Deposit Type during the 12-month Delivery Window
Max Balance 12 double Maximum relationship deposit balance for this Deposit Type during the 12-month Delivery Window
Ending Balance 12 double The relationship deposit balance for this Deposit Type as of the Delivery Window End 12
Delivery Window End 12 date The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 12 months
Avg Balance 24 double Average relationship deposit balance for this Deposit Type during the 24-month Delivery Window
Max Balance 24 double Maximum relationship deposit balance for this Deposit Type during the 24-month Delivery Window
Ending Balance 24 double The relationship deposit balance for this Deposit Type as of the Delivery Window End 24
Delivery Window End 24 date The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 24 months
Avg Balance 36 double Average relationship deposit balance for this Deposit Type during the 36-month Delivery Window
Max Balance 36 double Maximum relationship deposit balance for this Deposit Type during the 36-month Delivery Window
Ending Balance 36 double The relationship deposit balance for this Deposit Type as of the Delivery Window End 36
Delivery Window End 36 date The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 36 months