Sageworks' credit risk management 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 advanced, web-based credit risk management 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 management decisions that increase profitability and reduce credit risk.

Improve Credit Risk Management Decisions

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

Sageworks Risk Analytics™
The Optimum Credit Risk Management Software Suite

Sageworks Risk Analytics™ is a complete credit risk management 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 credit management reports.

Sageworks Monitor™: Loan Administration Application

• Monitor the entire loan portfolio at the push of a button including early warning indicators on potentially troubled loans
• Satisfy regulatory requirements with ease for credit management solutions
• Reduce administrative workload
• Credit management software tools help to avoid delinquencies and write-offs

Proven Credit Risk Management Applications & Tools

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

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

Sageworks Analyst™: TruGlobal™ Credit Management Application

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

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

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

Sageworks Certainty™: Credit Risk Rating Application

• Better preparedness for examinations and credit risk management
• Better consistency resulting from the universal application of their bank's particular risk rating methodology and credit risk management system
• 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 for credit management
• The confidence that comes from knowing that their credit risk ratings were accurately created, consistently applied, and thoroughly documents

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 for credit risk management
• Better preparedness for examinations and credit management processes
• Accurate, sound, and appropriate ALLL calculations for FAS 114 impairment analysis

Precision Applications for CPAs & Accounting Professionals

The Sageworks suite of credit management 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 risk management software applications provide accountants many benefits:

• Automate and standardize analytical procedures in audit engagements
• Improve the quality of assessment during attest engagements
• Provide real-time industry comparisons for credit risk management
• Uncover new opportunities and enhance credit management services 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 management 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 comparisons and a narrative report for credit risk anaylses
• Produce standardized documentation for your work papers, reports, and more
• Export credit management 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 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
• Gain access to private company industry benchmarks and trends in real time
• Perform what-if risk analysis and budget projections for credit risk management
• Generate analysis for individuals, for-profits and non-profits
• Export credit management 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 credit risk reviews
• Use as a cross-selling and prospecting tool for credit management solutions
• Access data in over 1,400 NAICS categories including KPIs in more than 800 categories
• Export credit management 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 report that provides industry-specific recommendations for financial improvement and specific credit management procedures.

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

Sageworks Advocate™

A credit management 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 credit management needs of the non-profit market.

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

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