End-to-End Commercial Credit Management Software ProFile is an end-to-end commercial credit management software solution that enables loan officers, credit analysts and senior bankers to efficiently review, analyze, collaborate and decide on commercial credit applications, manage the relationships with commercial customers and manage credit risk. ProFile provides credit professionals with the information, analysis tools, documentation and collaboration capabilities that they need to profitably manage all types of commercial credit. The system incorporates workflow, document management, risk rating, account aggregation, automated credit memos, relationship management and more in a single, integrated, state-of-the-art software system. Key Benefits of ProFile The main benefits of ProFile are (click or scroll down for more information): A single application that covers the entire commercial credit management lifecycle.

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	Manages all decision-supporting information for commercial relationships through an integrated suite.
	Focuses the credit professional's time and attention on what's important.
	Monitors and manages the credit approval pipeline in real-time.
	Increases customer satisfaction and competitiveness by cutting credit application turnaround times by up to 50%.
	Proactively manages relationships with commercial customers.
	Consistently manages all credit risk-related information.

Additional system information (click or scroll down):

	ProFile's main modules.
	System requirements.

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A Single Application That Covers the Entire Commercial Credit Management Lifecycle

	New credit applications.
	Ongoing relationships with commercial customers.
	Annual credit renewals.
	Periodic credit reviews.
	Periodic risk ratings.

Manages and Allows Easy Access to all Decision-Supporting Information for all Commercial Relationships through a Single, Integrated Suite

	General information regarding the relationship and the credit application.
	Banking information about the relationship including committed and utilized credit facilities, deposits, customer profitability and more.
	Business information including information on the relationship's principals, a detailed financial analysis retrieved from ProFin, presentation of information about affiliated entities, segment-related analysis, a general narrative about the company's business, and more.
	Risk ratings and real-time risk indicators, including internal scorecards, judgmental scores, credit bureau scores, as well as real-time notifications and warnings that may signal a change in the customer's risk rating.
	Customer-related correspondence such as emails, faxes, meeting minutes, and more.
	Customer-related documents that are stored, managed and tracked by ProFile.

Focuses the Credit Professional’s Time and Attention on What’s Important

Monitors and Manages the Credit Approval Pipeline in Real-Time

Increases Customer Satisfaction and Giving Banks a Competitive Edge by Cutting Turnaround Times for Credit Applications by up to 50%

Proactively Manages Relationships with Commercial Customers

Consistently Manages all Credit Risk-Related Information

ProFile's Main Modules

	Personalized Credit Professional's Desktop - ProFile presents each credit professional with a personalized desktop that displays a concise and intuitive view of important customer-related to-do's and risk-related indicators. These include pending credit applications, warning and alerts, customer-related activities, document ticklers and more.
	Relationship Details - this module manages a broad range of information about a specific relationship including general identifying information, information on related parties (owners, executives, affiliates, etc.), locations, properties and more.
	Credit Application - manages information about the current credit application such as purpose and type, pre-qualifying conditions and a review of previous applications.
	Banking Relationship - presents information about the banking activities of the current relationship. Banking information is retrieved and aggregated by ProFile for the entire credit relationship, and may thus may span multiple borrowers and multiple bank accounts.
	Business Analysis - provides details on the various business activities of the relationship, including industry classifications, business strategy, a mapping of key business relationships and key risk factors.
	Financial Analysis - aggregates and manages financial analysis reports from Peldec’s ProFin and from external credit agencies.
	Credit Memo Generator - ProFile automates the production of credit memo by automatically "populating" credit memo templates with information from ProFile's modules. ProFile supports different credit memo formats for different types of relationships and for different types of applications.
	Customer Relationship Management (CRM) - the CRM module helps manage the ongoing relationships with existing customers and assists in developing new business as well. The module manages customer-related activities (emails, faxes, phone conversations and meetings) and manages referrals and opportunities.
	Document management - ProFile's advanced document management module stores and displays customer-related documents. The module also includes a sophisticated document tickler mechanism that provides reminders for missing, outdated or invalid documents.
	Risk rating - ProFile incorporates an extensive risk rating module. The module supports bank-defined scorecards that incorporate subjective ratings, financial ratios, demographic borrower-related information and more.

System Requirements (web-enabled configuration)

	Browser - Internet Explorer version 5.5 or higher.
	Application server - IBM Websphere or Microsoft IIS.
	Database server - Oracle, IBM DB/2 or Microsoft SQL Server.