Dallas is a major commercial lending hub with significant activity in commercial real estate, energy, and business finance. We help lenders manage complex commercial transactions efficiently.
The Commercial Lending Challenge
Commercial lending involves complex analysis, extensive documentation, and ongoing portfolio management. Manual processes limit deal velocity and create risk management gaps.
Our Commercial Lending Solutions
Pipeline Management
Track opportunities to close:
- Deal sourcing: Opportunity tracking
- Pipeline visibility: Stage and probability
- Relationship management: Borrower and guarantor data
- Activity tracking: Touchpoints and next steps
Loan Origination
Efficient deal processing:
- Application capture: Borrower information and requests
- Financial analysis: Spreading and ratio calculations
- Credit memo: Automated memo generation
- Approval workflow: Routing and decisioning
Credit Analysis
Informed decisions:
- Financial spreading: Statement data extraction
- Ratio analysis: Liquidity, leverage, coverage
- Cash flow analysis: Debt service capability
- Industry benchmarks: Comparative analysis
Portfolio Management
Ongoing risk management:
- Covenant monitoring: Automated testing and alerts
- Collateral tracking: Valuations and lien status
- Financial updates: Periodic statement collection
- Risk rating: Rating methodology and migration
Reporting and Compliance
Management Reporting
- Pipeline and production
- Portfolio composition
- Credit quality trending
- Concentration analysis
Regulatory Compliance
- Call report data
- CRE concentrations
- CECL calculations
- Examination support
Ready to modernise your commercial lending? Contact ZIRA Software to discuss your platform needs.