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Starting Right From The Beginning: Profitability In Commercial Lending Begins With Mindful Technology Implementations

October 21, 2016

The key to a successful technology implementation isn’t your platform. It’s your people. Financial institutions need to have a plan for implementation, which includes every group that comes in contact with the new technology. Implementation is more than just training or setting up a platform. It’s also about understanding your firm’s strategy, its culture, and its people, and knowing how new technology tools will enhance them. Good tools are not enough – you need good planning to ensure that your new technology is making your financial institution safer, faster, and more profitable from day one. Learn more about how to get things right… from the start: Read the new blog article from Barry J. Hall, Jr., Director, Client Services at D+H, Starting Right From The Beginning: Profitability In Commercial Lending Begins With Mindful Technology Implementations


Increased competition, shifting customer expectations, expanding regulation and more diligent enforcement is making commercial lending a tougher place to do business.

It’s true that the number of commercial loans are expected to jump 11% in 2016 according to CEB Global. Behind that impressive growth, however, lower interest rates and higher costs of doing business are squeezing lenders’ margins. To paraphrase an old joke: Financial institutions need to avoid losing money on every loan, while “making it up on volume.”

Financial institutions that want to avoid becoming a punchline are responding strategically, investing in core technologies and leveraging new analytical capabilities of solutions to drive product-level profitability.

Many financial institutions have some catching up to do. While some have invested in more customer-facing initiatives such as mobile banking and bank-to-business integration, most are still operating home-grown commercial credit platforms, which operate independently of other technology in the institution.

In order to drive speed, profitability and improved customer experience, financial institutions are now making significant investments in commercial loan origination solutions and process automation. For these new systems to work, they require the integration of commercial credit solutions with all bank data - a key driver in achieving faster ROI, recognition of additional revenue, and increased profitability.

These implementations have many moving parts, which affect people, processes and systems throughout the financial institution. As you might expect, the integration of new commercial credit solutions needs to be well thought out and planned. Driving buy-in and knowledge sharing are critical for a successful implementation planning process. Stakeholders from all effected organizational groups should have equal representation.

Careful planning can significantly reduce the amount of time that a financial institution requires for the implementation, as well as how long it takes to see a return on its technology investment. Long-term, effective implementation plans can increase stakeholder buy-in, and drive continued growth in employee productivity and profitability.

We invite you to check out our recent CEB TowerGroup and D+H webinar that examines how to achieve faster return on investment through properly planned and implemented technology solutions. Commercial Lending- A Case Study In Achieving High Growth


Barry (B.J.) Hall, Jr., C.R.C
Director, Client Services

B.J. Hall has over fifteen years of experience in commercial banking with further background in professional and consulting services, credit analysis, commercial workflow processes, document processing, and project management. He currently serves financial institution clients as the Director of Client Services leading the team providing implementation and analysis services for portfolio risk management and end-to-end commercial credit processing solutions.

Barry (B.J.) Hall, Jr.