Gain insights from our team of experts
Accurately assessing a borrower’s ability to repay a loan is key to running a profitable commercial lending business. For many institutions, financial analysis is a manual process that demands the attention of highly skilled and experienced credit professionals, making scalability and increases in volume difficult to manage. To help navigate these challenges and accelerate lead time without sacrificing accuracy, Linedata offers robust outsourced financial and operational spreading services.
Following industry best practices, our team of highly knowledgeable and experienced financial professionals review borrower and related party documentation to provide the insights and comprehensive analysis you need to assess loan applications thoroughly and accurately.
Our spreading model follows a consistent process for financial and operational spreading, regardless of whether the request is sourced from a new loan application, a renewal or as part of a post-booking ongoing risk management activity.
Linedata's approach to outsourced spreading
Financial or operational data is analyzed, and comprehensive industry-standard reports are created – securely and within pre-determined SLAs.
A feedback mechanism allows clients to submit questions in real-time and Linedata to respond quickly with supporting documentation/justification of the analysis. This portion of the model loops until clarity is achieved.
To ensure customer satisfaction and a high standard of quality is upheld, a governance structure is employed to provide escalation points for both the client and Linedata.
Gain insights with scale by leveraging our financial analysis experts.