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Complete Financial Resource : 

Complete Financial Resource Premium Risk Analysis for Commercial Loans Proforma Plus Standardized Reporting Complete Metric Reporting Seamless Documentation Industry Specific Data STONEBRIDGE FINANCIAL SOLUTIONS

Complete Financial Reporting : 

Complete Financial Reporting Bank credit review issues. Time restraints on loan officers. A need for systematic reviews on all loans. Training and turn over issues. Cost of client reviews are great. Getting everyone on board with standards. Productivity, doing more with less. Better understanding & risk assessment STONEBRIDGE FINANCIAL SOLUTIONS

Slide 3: 

Bank Trends Rely On Technology Turnover rates within bank gives need for training. In 2006, 84% of banks employed less than 20 workers. Credit analysts make up 8/10ths of 1% in 2006, decreasing 8.3% by 2016. Technology & training improves bank skills & advancement. Need for improved risk assessment involving better data Summary: Most banks are small in size, tend to hire from within, don’t have a “back room” and depend on training, processes and software to improve performance. Source: U.S. Department of Labor, Bureau of Labor Statistics STONEBRIDGE FINANCIAL SOLUTIONS

Solutions & Objectives : 

Solutions & Objectives Run a thorough & complete analysis every time. Minimize front end time for back end time. Utilize critical measurements in reviews. Again, again & again. (standard) Turn over – training process for support staff. Leverage expertise within bank. Overcome reporting obstacles. STONEBRIDGE FINANCIAL SOLUTIONS

Proforma Plus & Productivity : 

Proforma Plus & Productivity We understand bank issues and use an investment banking perspective. Final result is to improve bank productivity & utilize bank resources. You win – we win. Let us process, you analyze. Blurred line. STONEBRIDGE FINANCIAL SOLUTIONS

Slide 6: 

Proforma Plus Strengths Stress testing. Standard reviews. FCF after WC expansion. Incremental profit analysis. Accrual , depreciation, asset base changes year over year. Business owners equity risk. How is WC being financed. Liquidity benchmark reporting. Seamless Uses & Sources Report. Comments on reporting procedures. Return on invested capital. Interim numbers to plan. Profit reporting procedures. Open access for custom work. Web seminar training. Unlimited support. Commercial property model. STONEBRIDGE FINANCIAL SOLUTIONS

Applications & Cost Comparison : 

Applications & Cost Comparison

Key benefits of Proforma Plus : 

Key benefits of Proforma Plus Get a professional detailed report every time. Answers to balance sheet and cash flow issues. Market driven valuation for exposure risk. Determine liquidity compared to industry. Test how loan and distribution impacts cash flow. Follow balance sheet trends and spot problem areas. GAAP flexibility on reporting, real or not. Practical & cost effective. Improve efficiencies, limit exposure, get a clear vision of the business. Easy to use, 30-60 minutes tops! STONEBRIDGE FINANCIAL SOLUTIONS

Next Steps, Free Trial : 

Next Steps, Free Trial We want to build a long term relationship by offering a quality product and value. Web seminar access for bank personnel with subjects applicable to commercial banking. Receive unlimited support, quick response. If you need other useful tools, we will add them to the next version, no charge. Proforma Plus, offering professional reports, value, customization and access. STONEBRIDGE FINANCIAL SOLUTIONS