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Home »
Industries » Banking
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» Commercial Banking
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Commercial Banking
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Our services can help you
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Enhance pull-through rate (loan closing per application) by leveraging 24x7x365
underwriting and processing support
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Increase customer coverage (measures like commercial loan accounts per officer,
new commercial commitments per officer) by outsourcing customer support
functions
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Centralize customer support services and increase usage of online channels (e.g.
increase internet cash management users as % of commercial checking accounts)
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Process more transactions using our expertise in services like lockbox (e.g.
target much higher monthly lockbox items per lockbox FTE)
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Reduce receivables (increase collections) and manage payables with our
reconciliation, ACH processing and dispute resolution skills
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We started offering commercial banking services to our first banking client in
2006, and this relationship still exists. Commercial banking services account
for approximately 30% of our Banking business.
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Services Offered
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Account Maintenance
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Account Reconciliation
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Exceptions & Adjustments Processing
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Document Management
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Customer Service
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Underwriting Support for Loans
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Products Supported
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Current and Savings Accounts
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Merchant Services
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Cash Management/ Receivables & Payables
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Loans and Lines of Credit |
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Employee Benefit |
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Capital Markets |
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International Services |
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Accounts
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Our capabilities include account setup and maintenance, account reconciliations,
exceptions and adjustments processing and customer servicing for a variety of
business accounts offered by banks
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Current/ checking/ savings and money market accounts - including cash
transactions, checks, money order, direct deposit, funds transfer and standing
orders, as well as ATM card/ debit card transactions and overdraft related
activities |
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Receivables
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Receivables may be in the form of cash, checks, and electronic receipts.
Assistance with processing of payments, transaction processing, exception
processing, item processing, reconciliation of accounts and in customer service
functions |
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Check Collections – (Wholesale and Retail Lockbox) including exception
processing and account reconciliation. Support of collections using intelligent
character recognition (ICR), optical character recognition (OCR), and courtesy
amount read (CAR)
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ACH Collections – processing of payment receipts, recurring payments and
electronic funds transfers
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Vault/ Cash Collection - for deposits, support of Automated Clearing
House (ACH), Back Office Conversion (BOC) entries
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Merchant Card Processing - including credit cards, pin debit cards,
business, corporate, purchasing cards as well as check authorization, gift
cards, loyalty cards, internet/ web payments and other electronic purchasing
cards or forms of payment
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Remote Deposit transaction
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Payables
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Assistance and support in payables processing, including account reconciliation,
exception processing and process reengineering. Payables include ACH Payables
like
recurring deposits (direct deposit of employee paychecks),
preauthorized collections,
business to business payments, preauthorized debits and credits,
controlled disbursements, Positive Pay transactions, tax payment
services, healthcare payables,
multi card transactions and wire transfers
Customized services linked to account reconcilement, cash concentration,
balance reporting, zero balance accounting, etc
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Loans & Lines of Credit
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We offer a wide range of services including mortgage document indexing,
collateral management services, imaging, maintenance of participation/
syndication loans,
due diligence/ document preparation of commercial loans, funding/
boarding support services, floor plan financing services, post closing
services, portfolio servicing, customer servicing, collections through
final payoff
Loan products include:
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Business Line of Credit
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Revolving line of credit, home equity line of credit, overdrafts and
consolidated reporting
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Term loans for debt consolidation, equipment purchase, vehicle financing;
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Small Business Administration (SBA) Loans
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Specialized Lending
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Asset-based lending, commercial term lending (multifamily and Commercial
mortgages), equipment leasing
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Others
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Employee Benefit functions
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Small business support functions include health savings account, payroll
services, private banking and wealth management/ investment advisory and
insurance and benefit management
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Capital Markets
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We can also assist in research, reconciliations and processing transactions in
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Structured finance
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Syndicated finance
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Foreign exchange
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Interest rate management
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Commodities
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Fixed income sales and trading
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International Services
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Given our presence in multiple financial services and 24 hour processing,
international banking services is another area of support
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International Corporate Banking
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Cash Solutions
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Global Trade Solutions for Importers/ Exporters
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