Clari5 Loan Analytics
This feature is upgradeable
For End Users
You can activate this feature and other links for ALL VENDORS with a VendorMatch Premium subscription. Additionally you can gain access to an increased depth of data, summary reports, RFX reports (detailed completed RFIs - available to financial institutions only) and comparison grids. Please click here for more information.
For Vendors
Vendors can activate their links and gain access to analytics by upgrading to VendorMatch PRO. Please click here for more information.
Speak with an analyst
Financial institutions and their advisors can subscribe to our Analyst Access* service. Effectively phone or (email) a friend you can have on tap advice and support provided by our analysts on this vendor, solution or solution category.
HOW TO SUBSCRIBE
To protect vendor data only financial institutions and recognized advisors can subscribe to VendorMatch Premium. Please click here for more information.
or contact us to discuss a subscription.
Subject to reasonable use.
Survey Summary
The Survey Summary provides a download of the vendor profile, solution profile and the VendorMatch Discovery survey vendor responses used to power the directory. All responses are provided by the vendor online.
Note that this report is a high level summary of the vendor's credentials and a solution's capabilities designed to assist with solution short-listing. The RFX report is the more comprehensive Request For Information report designed to support evaluation and selection, this will only show where the vendor has completed the "RFX" RFI.
HOW TO SUBSCRIBE
To protect vendor data only financial institutions and recognized advisors can subscribe to VendorMatch Premium. Please click here for more information on Premium features or contact us.
RFX Report
The RFX report is an XLS download of the Vendors response to the “RFX” Request for Information for this solution.
The RFX is a centralized golden copy of a RFI authored by our analysts based on their expertise in running real-life system evaluation and selection projects and completed by the vendor online.
Note to protect vendor that only Financial Institutions and recognized Advisor can subscribe to this feature.
In each instance the first time the link is used the user requests permission to access the RFX report and it is the vendor who is required to authorizes access. You will be alerted when the vendor has reviewed your request and granted permission.
HOW TO SUBSCRIBE
Please click here for more information on Premium features or contact us.
To learn more about subscribing to our service options, please contact us here
This feature is upgradeable
For End Users
You can activate this feature and other links for ALL VENDORS with a VendorMatch Premium subscription. Additionally you can gain access to an increased depth of data, summary reports, RFX reports (detailed completed RFIs - available to financial institutions only) and comparison grids. Please click here for more information.
For Vendors
Vendors can activate their links and gain access to analytics by upgrading to VendorMatch PRO. Please click here for more information.
Speak with an analyst
Financial institutions and their advisors can subscribe to our Analyst Access* service. Effectively phone or (email) a friend you can have on tap advice and support provided by our analysts on this vendor, solution or solution category.
HOW TO SUBSCRIBE
To protect vendor data only financial institutions and recognized advisors can subscribe to VendorMatch Premium. Please click here for more information.
or contact us to discuss a subscription.
Subject to reasonable use.
Survey Summary
The Survey Summary provides a download of the vendor profile, solution profile and the VendorMatch Discovery survey vendor responses used to power the directory. All responses are provided by the vendor online.
Note that this report is a high level summary of the vendor's credentials and a solution's capabilities designed to assist with solution short-listing. The RFX report is the more comprehensive Request For Information report designed to support evaluation and selection, this will only show where the vendor has completed the "RFX" RFI.
HOW TO SUBSCRIBE
To protect vendor data only financial institutions and recognized advisors can subscribe to VendorMatch Premium. Please click here for more information on Premium features or contact us.
RFX Report
The RFX report is an XLS download of the Vendors response to the “RFX” Request for Information for this solution.
The RFX is a centralized golden copy of a RFI authored by our analysts based on their expertise in running real-life system evaluation and selection projects and completed by the vendor online.
Note to protect vendor that only Financial Institutions and recognized Advisor can subscribe to this feature.
In each instance the first time the link is used the user requests permission to access the RFX report and it is the vendor who is required to authorizes access. You will be alerted when the vendor has reviewed your request and granted permission.
HOW TO SUBSCRIBE
Please click here for more information on Premium features or contact us.
To learn more about subscribing to our service options, please contact us here
Overview
Clari5 compiles a comprehensive history of every account, and then provides the data, reports, and dashboards to allow loan departments to quickly assess each customer’s historic cash flows, cash to debt ratios, credit line drawdown ratios, and NAICS industry so that each loan officer can have the information to determine the right mix of programs for each customer. In the long run, Clari5’s Loan Analytics platform is invaluable in assessing the real-time health of your loan portfolio.
Key Features
Origination:
Lenders should be combining use of traditional data (credit reports, financial statements) which provide a snapshot in time. FIs should also be factoring in transaction data that can expose long term transactional trends to score credit worthiness. FIs have a considerable amount of transaction history from each customer which can be used in any go forward credit decisions. Making the right decision is predicated on being able to access the right data.
Monitoring:
Early detection of problems gives lenders the visibility to address problems as they surface. Warning signals can be found in all types of transaction data and customer interactions. In isolation, each signal might be hard to derive meaning from, but when combined with other signs, they can tell a more complete liquidity story for each borrower. Clari5 Loan Analytics provides the critical data for both origination and ongoing monitoring. Built on Clari5’s globally recognized analytics
platform, Clari5 can aggregate and reveal powerful insights across any number of banking systems. Clari5 compiles a comprehensive history of every account, and then provides to loan departments the data to quickly assess each customer’s unique needs.
Key Benefits
Some of the key signals Clari5 can reveal:
● Credit lines at high utilization rates compared to previous time periods
● Credit line utilization rate exceeds banks alert level
● Credit line amount outstanding over several months higher than normal
● Higher credit line utilization compared to industry peers
● Decreasing 3rd party loan repayments
● Increasing credit card balances while repayments are decreasing
● Increasing credit card balances while deposits are decreasing
● Missed or late loan or credit card payments
● Decreasing deposit amounts over a time period
● Decreasing deposit amounts while credit line drawdowns are higher
● Missed payroll deposit
● Delayed, missed, or reduced accounts payables
● Returned checks