Optimist for Lenders

Optimist is an easy to use software solution that focuses on credit risk management, relationship management and credit monitoring. The benefits to your organization include improved credit decision-making, stronger client relationships and greater profitability for both you and your customers.

Optimist is a dynamic, real time financial analysis and diagnostic application that combines stress testing, projections and scenario modeling.

Optimist’s “dashboard” interactive financial scorecard enables your bank to stress test cash flow and other key financial performance measures. Additionally, analyze projections, model “What If?” business scenarios, plus develop strategies (“Goalseek”) to realize ideal business goals and results.

Incorporate Optimist into your bank’s credit management process to:

• Evaluate a client’s business strategy and projections
• Prepare and provide background for annual review presentations
• Plan for a customer’s funding requirements
• Stress test cash flow, particularly for fast growth customers
• Establish or assess a breach in lending covenants
• Determine a material change in the outlook of the customer’s business
• Analyze the impact on potential cash flow and profitability of diversifying business operations
• Detect when inventory and receivables represent too large a percentage of the business’ asset base
• Assess when the business’ funding structure is largely working capital based
• Identify new product opportunities and/or changes to the product mix