Centralized Customer and Account Data

COMMERCIAL and RETAIL are multi-bank processors that provide complete operations accounting and management reporting. An institution control record is established for each institution to enforce the organization’s policies within the systems. COMMERCIAL and RETAIL adhere to a customer-centric design that provides a complete borrower credit profile.

Logically grouped below the institution information is the customer data and account (commitments, lines of credit, loans, etc.) data. Key to the borrower profile is one customer number per borrower for all major commitments, minor commitments, and loans. This identification also points to a primary address per borrower and optional alternate names address per commitment and loan. Information reflecting all address, loan, and transaction data including tied customers for related/indirect debt is just a few clicks away.

Major commitments are logically grouped with the minor commitments or loans associated, or tied, to the major commitment. Funds availability tracking, funds used tracking, fee accounting, and similar information is available at the major commitment level.

This grouping of customers, commitments, and loans provides the user with streamlined navigation opportunities to the information necessary to manage a complex loan portfolio. Through a robust offering of COMMERCIAL and RETAIL search options, information such as Name, Address, Tax Identification Number, and Phone Number, can be used to access all of the borrower’s data. Links are also configurable to reach out to non-Shaw applications to provide a complete borrower credit profile