


Abrigo Consumer Lending Software is a comprehensive, end-to-end digital solution designed to automate and streamline the consumer loan origination process for banks and credit unions. By integrating seamlessly with existing core systems, it replaces manual processes, enhancing efficiency and boosting revenue. This platform enables financial institutions to meet borrower demands swiftly through an automated workflow, facilitating quick and creditworthy loan decisions. Key Features and Functionality: - Integrated CRM: Centralizes customer engagement records, allowing accurate pipeline reporting and timely task notifications for lenders. - Lending Process Management: Utilizes customized templates aligned with loan policies to keep consumer loan originations on track and eliminate bottlenecks. - Automatic Loan Decisioning Templates: Applies institution-specific loan policies to auto-decision certain loans, freeing time for more complex credit analyses. - Secure Document Management: Enables secure document uploads accessible anytime from all branches, ensuring efficient document handling. - Consumer Dynamic Loan Application: Offers configurable loan applications tailored to various loan products, capturing necessary information efficiently. - Pipeline Reporting & Task Notification: Provides centralized data for accurate pipeline reporting and alerts lenders of upcoming tasks, enhancing workflow management. Primary Value and Solutions Provided: Abrigo Consumer Lending Software addresses the critical need for financial institutions to grow their consumer loan portfolios profitably while meeting modern borrowers' expectations for quick and efficient loan processing. By automating the lending process, the platform eliminates redundant data entry and enhances operational efficiency, leading to faster loan decisions and increased profitability. It supports multiple loan types within a single system, providing unified customer information and deeper insights across consumer portfolios. This scalability and customer-centric approach enable institutions to stand out in the market, build stronger customer relationships, and drive revenue growth.

Abrigo Stress Testing is a comprehensive solution designed to help financial institutions proactively identify, measure, and manage portfolio risk. By conducting scenario analyses and capital planning, banks and credit unions can anticipate how their portfolios might behave under various economic conditions, enabling them to develop effective contingency plans and maintain financial stability. Key Features and Functionality: - Extensive Testing: Conduct stress tests at multiple levels, including borrower, concentration, and institution-wide assessments. - Flexible Concentrations: Create and modify scenarios to evaluate stress tests at varying severity levels within a single analysis. - Multi-variable Scenarios: Model different environments using key factors such as interest rates, cash flow, and collateral values. - Data-driven Planning: Enhance strategic planning and manage capital ratios effectively to ensure safety and soundness. - Comprehensive Reporting: Generate detailed reports to communicate risk assessments to management, boards, and examiners. - Valuable Models: Utilize forecast models to project future Allowance for Loan and Lease Losses levels and periodic losses. Primary Value and User Benefits: Abrigo Stress Testing empowers financial institutions to proactively understand and manage their portfolio risks, especially during economic uncertainties. By integrating stress testing with other risk management areas such as allowance calculations, asset/liability management, and valuation, institutions can satisfy regulatory requirements and identify potential trouble spots. The solution's centralized platform enhances efficiency by reducing manual tasks and providing a seamless view of data across the organization, enabling informed decision-making and strategic planning.

Sageworks Credit Risk Software by Abrigo is a comprehensive solution designed to streamline and enhance the credit risk management process for financial institutions. By integrating various aspects of credit analysis into a single platform, it reduces redundant data entry, ensures consistent application of credit policies, and accelerates decision-making from underwriting to loan closing. This unified approach not only minimizes bottlenecks but also strengthens the defensibility and precision of credit decisions. Key Features and Functionality: - Automated Credit Spreading: Eliminates manual data entry, allowing credit teams to focus on in-depth analysis rather than administrative tasks. - Consistent Risk Rating: Utilizes dynamic and comprehensive risk rating models to identify potential problem loans early and maintain portfolio health. - Global Cash Flow Analysis: Provides accurate assessments of complex entities' income and debt, facilitating informed lending decisions. - Loan Pricing Tools: Applies risk- and target-based pricing scenarios, ensuring loan pricing strategies align with institutional goals. - Automated Loan Administration: Tracks covenant and document exceptions, reducing preparation time and costs associated with loan reviews. - Data-Driven Decision Making: Leverages projections and proprietary industry data to inform decisions on commercial and real estate loans. Primary Value and User Solutions: Sageworks Credit Risk Software addresses the challenges financial institutions face with fragmented systems and subjective risk assessments. By automating routine tasks and standardizing workflows, it enhances operational efficiency, reduces errors, and ensures compliance with credit policies. This leads to faster loan processing times, improved customer satisfaction, and a more robust risk management framework, ultimately supporting the institution's growth and stability.

Abrigo is a financial technology company that specializes in providing software solutions and services to financial institutions. The company focuses on assisting banks and credit unions in managing risk, ensuring compliance, and enhancing operational efficiency. Abrigo's offerings include anti-money laundering (AML) solutions, fraud detection, loan origination systems, and tools for managing portfolio risk and stress testing. By leveraging advanced technology, Abrigo aims to streamline processes, maintain regulatory compliance, and support the growth of financial institutions.