Covenant term extraction
Extract covenant and appraisal terms from documents to reduce the work of maintaining portfolio records.
FOR COMMERCIAL CREDIT AND LENDING TEAMS
PRODUCT · LENDING INTELLIGENCE
Lending Intelligence Agent
Reduce manual covenant tracking and see how collateral changes affect your loan book.
FINANCIAL ORGANIZATIONS USING 360FACTORS SOLUTIONS
LENDING INTELLIGENCE AT A GLANCE
3Financial, non-financial, reporting covenants
CRECollateral estimates and exposure monitoring
GrowthMarket and borrower opportunity insights
THE PROBLEM
Keep portfolio reviews from becoming a manual search
Covenant terms, borrower financials and appraisals sit in separate files. Credit teams spend time rebuilding the relationship view while reporting gaps and collateral changes need attention.
Manual covenant tracking
Dated collateral views
Scattered borrower records
WITH LENDING INTELLIGENCE
Lending Intelligence Agent connects borrower records, covenants and commercial real estate (CRE) collateral so credit teams can focus on exceptions and decisions. Covenant Management and Collateral Analysis show changes in credit exposure. Loan Growth Intelligence uses market and borrower signals to help lenders identify opportunities, with fair lending screening built into recommendations.
Covenant and collateral trends
See narrowing covenant headroom and CRE loan-to-value changes against policy so your team can investigate.
Evidence with each finding
Review source records and explanations alongside each exception to assess what needs action.
Market and borrower insights
Compare lending activity and prioritize borrower opportunities to focus business development.
FEATURES
Start with the portfolio you already manage
Connect commercial loan records, covenant terms, CRE collateral and market context. Give credit teams the evidence to assess exposure and lending leaders the signals to pursue opportunities.
- 01
Import a loan tape in CSV or spreadsheet form to build a connected portfolio view.
- 02
Extract covenant and appraisal terms from uploaded documents to reduce manual entry.
- 03
Connect borrowers and related parties so credit teams can review aggregate exposure.
- 04
Track covenant headroom and flag missing financials so stale data is visible during review.
- 05
Compare CRE value estimates and loan-to-value ratios with policy limits to flag exposure changes.
- 06
Show collateral concentrations against board-set limits to support portfolio oversight.
- 07
Rank exceptions with evidence and reasoning so reviewers can prioritize their response.
- 08
Retain source dates and decision history to support board and examination reporting.
- 09
Compare lending activity with peers and rank borrower opportunities to focus business development.
- 10
Screen recommendations for fair lending exposure and retain the basis for review, with credit decisions kept under your institution’s control.
CAPABILITIES
Connect credit oversight with loan growth
Covenant Management, CRE Collateral Analysis and Loan Growth Intelligence use a connected borrower view to help your team assess exposure and identify lending opportunities.
MONITOR
Covenant Management
Track financial, non-financial and reporting covenants. See narrowing headroom, missing financials and the evidence behind each exception so your team can investigate.
ASSESS
CRE Collateral Analysis
Monitor CRE estimates between appraisals, compare loan-to-value with policy and review concentrations. Assess changes in exposure while keeping estimates distinct from formal appraisals.
GROW
Loan Growth Intelligence
Compare market lending activity and rank borrower opportunities to focus business development. Review the supporting signals and fair lending screening behind each recommendation.
BY ROLE
Designed for the people responsible for the loan book
CHIEF CREDIT OFFICER
You need to see covenant and collateral changes before the next review.
Bring headroom trends, policy exceptions and source evidence into one relationship view. Your credit team can assess what changed, decide which exposure needs attention and retain the reasoning behind its response.
Request a demoHeadroomVisibility into covenant trends
EvidenceContext for each exception
HistoryRecord of reviewer decisions
CHIEF RISK OFFICER
You need to understand exposure across related borrowers and collateral.
See where risk accumulates across related borrowers and CRE collateral. Source dates, valuation methods and missing-data flags help your team judge the evidence before reporting to management or the board.
Request a demoExposureView across related borrowers
CREConcentration and policy views
SourcesDates and methods for review
CHIEF EXECUTIVE OFFICER
You need a clearer view of portfolio exposure and where lending can grow.
Review covenant and collateral exposure alongside market gaps and borrower opportunities. Loan Growth Intelligence helps your lending leaders focus business development, with supporting signals and fair lending screening behind recommendations.
Request a demoCreditCovenant and reporting oversight
CollateralCRE exposure against policy limits
GrowthMarket and borrower opportunities
CHALLENGES
See the changes that deserve a credit review
A covenant can still be within its limit while the borrower’s margin for error narrows. A formal appraisal can remain on file while estimated market value falls. See those changes alongside source dates and policy thresholds so your team can decide what needs investigation.
COVENANT HEADROOM
CRE VALUE ESTIMATES
POLICY EXCEPTIONS
- 01
Covenant records take time
Extract terms from credit agreements and connect them to borrower records. Review queues surface uncertain matches and missing information so teams can correct the record before relying on it.
- 02
Collateral changes between reviews
Compare estimated CRE values and loan balances with policy limits. Estimates retain their method and date alongside the formal appraisal, helping credit teams assess whether further review is needed.
- 03
Growth research takes time
Compare market activity and identify borrower opportunities so lending leaders can focus their research. Recommendations include their supporting signals and fair lending screening results to help your team assess the next step.
FOR THE WHOLE TEAM
Give each reviewer the context to act
CREDIT ADMINISTRATION
RELATIONSHIP OFFICERS
LENDING LEADERSHIP
Route exceptions to the people responsible for them, with evidence and a suggested next step. Credit administrators can investigate reporting gaps, relationship officers can review their own book, and leaders can assess portfolio exposure. Your institution retains credit decisions and risk ratings.
Less data entry
Extract document terms to reduce the work of maintaining covenant and collateral records.
Focused review
Rank material exceptions and combine duplicate alerts so teams can prioritize their response.
Borrower context
Connect facilities, covenants, collateral and related-party exposure in one relationship view.
Visible data gaps
Use source dates and missing-data flags to identify where more information is needed.
Clearer reporting
Use history and evidence exports to support credit committee, board and examination discussions.
Focused business development
Compare markets and review explained opportunity scores to decide which lending opportunities to pursue.
EVALUATION FAQ
Questions about Lending Intelligence
Learn how the agent connects covenant monitoring, CRE collateral analysis and loan growth insights to support your commercial portfolio.
Lending Intelligence Agent connects borrower records, covenants and CRE collateral with market context. Your team can review headroom trends, policy exceptions and lending opportunities without assembling each relationship from separate files. Findings include source evidence and explanations to support investigation. Credit decisions and risk ratings remain with your institution.
The agent supports community and regional banks and credit unions managing commercial loan portfolios. Chief credit officers and credit administrators use covenant and collateral insights for portfolio oversight. Relationship officers can review their own book, while risk leaders and executives assess exposure. Loan Growth Intelligence helps lending leaders evaluate market and borrower opportunities.
Covenant Management tracks financial, non-financial and reporting covenants, including headroom trends and missing borrower financials. CRE Collateral Analysis compares estimated values and loan-to-value ratios with policy limits and shows portfolio concentrations. Loan Growth Intelligence adds market comparisons and borrower opportunity signals, giving credit and lending teams a connected view of exposure and opportunity.
Start with a commercial loan tape in CSV or spreadsheet form, plus executed credit agreements, appraisal documents and borrower financials. These records provide the basis for borrower, covenant and collateral analysis. Source dates and missing-data flags help your team assess completeness. Your 360factors representative can discuss data preparation and refresh requirements for your portfolio.
No. Estimated collateral values remain separate from formal appraisals and include the valuation method and date. Loan-to-value monitoring helps identify changes against your policy limits for review. Your institution retains responsibility for appraisals, underwriting, approvals, declines and risk ratings. The agent provides evidence and recommendations to support your team’s assessment.
Loan Growth Intelligence compares lending activity across markets and uses borrower signals to rank potential opportunities. Recommendations include their supporting evidence and a fair lending screen so lending leaders can assess which opportunities to pursue. Peer comparisons reflect available data and its reporting periods. Your team reviews recommendations in the context of its credit policy and market strategy.
LENDING INTELLIGENCE RESOURCES
CUSTOMER VOICES
What customers say about 360factors
REVIEWS & RECOGNITION
