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The Omega Decision Strategy™ ensures a high-quality loan portfolio by providing a consistent and reliable approach to credit decision making and risk management. The proven five-step loan process that ensures comprehensive assessment, analysis, packaging, and management of the various factors of a loan case. The process begins by evaluating the loan opportunity itself against the lending organization’s business model, carrying on to in-depth business and industry-specific risk analysis. Once there is a solid understanding of the borrower’s business environment, the analysis moves on to detailed reviews of financial statements, cash flow, and financial projections – allowing the lender to determine whether or not the borrower’s loan case is logical and laying the groundwork for a well-documented, fact-based loan recommendation followed by loan structuring and negotiation.
Regardless of the lender’s tenure, the step-by-step process laid out by the Omega Decision Strategy™ ensures that all factors of the loan case are reviewed diligently so as not to jeopardize the loan in ways that may be overlooked by focusing on a limited set of factors. Additionally, the Omega Decision Strategy™ reinforces your lending organization’s image of providing sound, responsible loans – a quality that is admired by customers and regulators alike.
Click through the five steps of the Omega Decision Strategy™ to learn more about the framework: