Moody’s Analytics is pleased to announce the launch of Relationship Pricing Analyzer, a new front-office pricing solution that helps bankers more efficiently and effectively price loans.
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“Competition is intensifying for high-quality relationships, and an optimized pricing structure can help lenders compete more effectively”
In a competitive lending environment, decision makers at financial institutions have a growing need for deep insights around margin and relationship profitability when determining loan pricing. Net interest margin compression seen among US banks in the third quarter of 2021 is driving executives to seek smart, efficient relationships with their customers.
“Competition is intensifying for high-quality relationships, and an optimized pricing structure can help lenders compete more effectively,” said Anna Krayn, Global Head of Industry Practices. “Relationship Pricing Analyzer streamlines income and expense management, which helps drive consistency in the pricing process and allows relationship managers to pursue new opportunities.”
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Relationship Pricing Analyzer helps the front-office measure the income that a relationship brings to a bank in the form of coupon, fees, and derivative income against the associated credit, financial, and operational costs that are incurred to support the customer.
Using Relationship Pricing Analyzer, bank relationship managers can win deals via competitive differentiation and speed to market, while portfolio managers can effectively monitor relationship profitability, capital at risk, expected loss, and portfolio returns.
Relationship Pricing Analyzer is part of our ecosystem of applications that provide extensive data resources for benchmarking, portfolio monitoring and management, and performance enhancement. All the applications are available within the Moody’s Analytics CreditLens platform, an industry leading solution for credit decisions and loan origination that helps banks, credit unions, and other financial institutions make better lending decisions faster.
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