Commercial Banking Operations: Case Studies

Bottom Line Growth Optimization

Problem: Client was achieving top line revenue growth objectives in their commercial banking group, but was not seeing equal growth in bottom line results. Risk worked with Commercial managers to map organizational processes, relationship manager work flows and credit approval processes.

Solution: Novantas developed a database for customer and relationship manager profitability analyses based on industry, product usage, company size and account distributions. From there we recommended changes that standardized and streamlined credit approval processes, added two specialty capabilities that capitalized on concentrations in these areas, changed the account assignment process for new relationship managers, and recommended changes to incentive drivers for relationship managers.

Result: Client achieved increased revenues, faster approvals, higher relationship manager productivity, and increased percentage of revenues flowing to bottom line results.