Sageworks' credit analysis software applications are specifically designed for bankers looking to make better credit decisions, reduce costs, increase efficiency and maintain a healthier loan portfolio. We offer web-based credit risk analysis software applications tailored to meet the unique needs of Chief Credit Officers, Senior Lenders and Credit Administrators. Bankers find Sageworks essential in making sound credit analysis decisions that increase profitability and reduce risk.

Improve Commercial Credit Risk Analysis

The depth of analysis offered by Monitor, Sageworks’ credit analysis software application, has proven to be invaluable to bankers looking to make more well-informed, credit decisions. Learn more about Sageworks' web-based credit analysis software applications below.

Sageworks Risk Analytics™
The Optimum Commercial Credit Risk Analysis Software Suite

Sageworks Risk Analytics™ is a complete commercial credit risk analysis software suite that includes a number of advanced tools for forecasting and projection models, sensitivity credit risk analysis, exception tracking, covenant tracking, loan administration challenges, and narrative commercial credit analysis reports.

Sageworks Analyst™: TruGlobal™ Credit Analysis Application

• Quick views of TruGlobal™ cash flow that combine guarantors, businesses, and real estate
• Dynamic narrative risk analysis to expedite credit memo preparation
• Easy-input tax return screens for streamlined credit risk analysis
• Real-time industry comparisons to make better credit analysis decisions

Proven Commercial Credit Analysis Applications & Tools

Sageworks develops commercial credit analysis software applications designed to help professionals make better financial decisions. At Sageworks, we are committed to helping our clients realize the benefits of web-based commercial credit risk analysis tools. Despite having access to more information, individuals and organizations are still challenged with how to make more profitable credit decisions. Sageworks' web-based credit risk analysis software applications are the solution for making better, more precise decisions with confidence. In addition to our credit analysis software applications, we are proud to offer Monitor, the loan administration application; Certainty, the automated credit risk rating module; and Surety, our ALLL calculation solution as part of our web-based credit analysis software packages.

In addition to our commercial credit risk analysis application, many bankers have turned to Sageworks to increase profitability and reduce risk in several other critical areas

Sageworks Monitor™: Loan Administration Application

• Monitor the entire loan portfolio at the push of a button including early credit risk warning indicators on potentially troubled loans
• Credit analysis software tools help to satisfy regulatory requirements with ease
• Reduce administrative workload
• Avoid delinquencies and write-offs with precision credit risk applications

Sageworks Industry Data and Analysis™: Provide current industry statistics along with a narrative description of the industry as part of your credit analysis procedures.

• View geographic, real-time industry data for up-to-date commercial credit analysis
• Use as a cross-selling and prospecting tool for credit analysis
• Access data in over 1,400 NAICS categories including KPIs in more than 800 categories
• Export commercial credit analysis data to Microsoft Word or PDF software

Sageworks Certainty™: Credit Risk Rating Analysis Application

• Better preparedness for examinations and credit risk analysis
• Better business commercial credit analysis consistency resulting from the universal application of their bank's particular risk rating methodology
• Better documentation and standardization of credit risk ratings within the entire loan portfolio regardless of loan officer
• Easier assessment of which segments of the portfolio need risk rating adjustments
• The confidence that comes from knowing that their credit risk ratings were accurately created, consistently applied, and thoroughly documented for analysis

Sageworks Surety™: Whole-Portfolio™ ALLL (Allowance for Loan and Less Losses) Application

• A clear, concise method for loan adherence to FASB 5 and FAS 114 calculation compliance issues
• Better balance sheet calculations
• Better preparedness for examinations and commercial credit analysis
• Accurate, sound, and appropriate ALLL calculations for FAS 114 impairment analysis

Precision Applications for CPAs & Accounting Professionals

The Sageworks suite of commercial credit analysis software applications provide automated written narrative analysis, projection and forecasting, valuations, private-company industry benchmarks, and analytical procedure documentation enabling you to add value to the services you provide to your existing clients and generate additional revenue via new engagements.

Sageworks’ credit analysis software applications provide accountants many benefits:

• Automate and standardize analytical procedures in audit engagements
• Improve the quality of credit assessment during attest engagements
• Provide real-time industry comparisons
• Uncover new opportunities and enhance client service by differentiating your practice
• Simplify the initial process for audits and analysis

Distinguish your practice, attract and retain the best clients, and discover consulting and business advisory opportunities using Sageworks credit risk analysis software applications.

Sageworks Auditor™

Basic Sageworks auditing suite demonstrates a comprehensive understanding of a client's unique business needs.

Analytical Procedures™: Quickly comply with audit and review analytical procedures guidelines.

• Automatically generate expected values, industry credit analysis comparisons and a narrative report
• Produce standardized documentation for your work papers, reports, and more
• Export commercial credit analysis data to Microsoft Excel, Word or PDF software

Sageworks Advisor™

Create new revenue by booking additional client engagements and build your value to your clients by offering new credit analysis services.

Sageworks Snapshot™: Offer clients a high-definition view of how their business is performing.

• Translate financial information into plain language
• Create a financial report highlighting strengths and weaknesses for precise credit risk analysis
• Gain access to private company industry benchmarks and trends in real time
• Perform what-if analysis and budget projections for accurate commercial credit analysis
• Generate analysis for individuals, for-profits and non-profits
• Export commercial credit analysis data to Microsoft Word or PDF software

Sageworks Industry Data and Analysis™: Provide current industry statistics along with a narrative description of the industry.

• View geographic, real-time industry data for up-to-date commercial credit analysis
• Use as a cross-selling and prospecting tool for credit analysis
• Access data in over 1,400 NAICS categories including KPIs in more than 800 categories
• Export credit risk analysis data to Microsoft Word or PDF software

Sageworks Counselor™: Allows automatic forecasts based on historical trends and real-time industry data using regression analysis. Includes a detailed credit analysis report that provides industry-specific recommendations for financial improvement and specific risk analysis procedures.

• Credit analysis software tools facilitate business analysis and administration procedures
• Perform what-if analysis and budget management projections
• Export commercial credit analysis data to Microsoft Excel software

Sageworks Advocate™

A commercial credit analysis software suite designed for non-profits

Analytical Procedures™ for Non-Profits: The same power, accuracy and efficiency found in Sageworks Analytical Procedures has been customized to address the credit analysis needs for the non-profit market.

• Create narrative analysis and graphs
• Compare current/prior period(s) and peer groups for advanced credit analysis
• View classification of sectors based on the NTEE (National Taxonomy of Exempt Entities) code system
• Produce expected value and variance analysis calculations
• Credit analysis software tools generate ratio analysis
• Export commercial credit analysis data to Microsoft Excel, Word or PDF software

Sageworks develops commercial credit analysis software applications designed to help professionals make better financial decisions. At Sageworks, we are committed to helping our clients realize the benefits of web-based commercial credit risk analysis tools. Despite having access to more information, individuals and organizations are still challenged with how to make more profitable credit decisions. Sageworks' web-based credit risk analysis software applications are the solution for making better, more precise decisions with confidence.