AMBIT OPTIMIST - Financial Services Technology FIS

Ambit OptimistAAMBIT OPTIMIST

Ambit Optimist1Industry overviewThe solutionLenders are facing a turning point. Under pressure from allsides – including regulators, new competitors and moredemanding customers – banks are realizing that their own ITinfrastructure may pose a significant risk.Ambit Optimist is a complete solution for credit riskmanagement, delivering benefits for credit and risk officersas well as front-line relationship managers. Commercialbankers get the vital financial analysis, business modelingcapabilities and communication tools they need to build,manage and sustain profitable commercial loan relationships.To succeed in this challenging environment, commerciallending operations must be: Customer-centric Cost effective Risk aware Process efficientBy focusing on these four tenets, banks can recommend theright solutions for their customers as well as provideuniformity and consistency in their underwriting.But in many cases, banks’ commercial lending processes andsystems are simply not integrated, transparent or flexibleenough to allow them to achieve their goals.Ambit Optimist is designed to help banks overcome thesehurdles and succeed in today’s demanding market.Ambit Optimist: Features value-adding client facing scenario analysis andgraphical analytics, turning lenders into trusted advisors Delivers portfolio analysis as well insightful dataon customers Lowers cost of ownership by allowing banks to configurethe solution themselves to adapt to ongoing regulatorychange and improve the credit process Builds consistency into the credit process with industry-specific analyses that cover the broad range of thecommercial portfolioIts portfolio reporting tools give you new insight into portfolioperformance so you can proactively manage portfolio risks.Ambit Optimist is designed to cater to all forms of commerciallending. In one solution, you can analyze your borrowers’performance and strategies across all commercial businesslines, including commercial and industrial, commercial realestate, agribusiness, personal guarantors, non-profits,financial institutions and municipalities, as well as numeroussub-industries. In addition, you can deploy your approach torisk rating and covenant management consistently.Ambit Optimist can also help you alleviate regulatory pressureby satisfying examiners with your file quality and process.Credit analysisRelationship BuildingPortfolio ReportingRisk rating Drives accuracy using the bank’s own risk rating Improves efficiency with automated covenant testing Eliminates the cost of multiple systems for a more cost-effective approachCovenant ManagementAmbit Optimist provides comprehensive analytics, identifies unrecognized risk,solidifies customer loyalty and lowers IT overhead – helping lenders to increaserevenue and profitability.

Ambit Optimist2Example portfolio overview dashboardFocused on your commercial portfolioAmbit Optimist is a state-of-the-art financial spreadingplatform with an embedded Probability of Default (PD) andLoss Given Default (LGD) credit risk rating module that cansupport your entire commercial portfolio. It’s a powerfulanalytical solution that allows users to easily create financialprojections and thoroughly understand potential customer orproject risks via deep scenario analysis capabilities. Portfolio reporting that gives youIndustry-specific analysisOne system to analyze and store data for your entirecommercial portfolioRisk ratingAmbit Optimist’s risk engine gives you the flexibility to deployyour own risk rating methodology, whether that includesexpert judgment, quantitative assessment or dual risk ratingwith Probability of Default (PD) and Loss Given Default (LGD). Commercial & Industrial Commercial Real Estate (Income Producingand Construction) Agriculture (both cash and accrual based agribusiness) Personal Financial Statements, Tax Form and CashFlow analysis Non-Profits Municipalities Financial Institutions Additional customized industry templates arealso availablePortfolio managementBetter visibility into potential trouble spots–– Risk & Concentration Analysis–– Profitability Analysis–– Board Reporting Centralized source of all commercial bank relevantdata for ad hoc reporting Deploy an auditable uniform risk rating methodologythroughout the bank Standardize risk reporting Control all risk modifications with ability to configure andmaintain the modelsCovenant alerts and audit logImprove process efficiency and eliminate re-keying withcovenant monitoring built-in Monitor global covenants and receive notifications Audit logging capabilities record system administrationand user changes to ensure transparencyLeverage industry-specific spreading and analysis and manage all commercialportfolio’s credit risk analytics in one solution.

3Ambit OptimistKey benefitsBuild customer relationships by turning commercialbankers into trusted advisorsIncrease consistency in the lending process and improvedata quality in all commercial lending business lines Enhance customer satisfaction and retention Consistently collect, manage and analyze credit decisionrelated data for process standardization Take an advisory role while uncovering newbusiness opportunities Augment credit management through interactive scenarioanalysis capabilities, embedded industry-specifictemplates, benchmarking capabilities from the RiskManagement Association (RMA) or custom benchmarks,and covenant monitoring Access a dynamic interactive dashboard for both creditanalysis and relationship managementBetter visibility into potential trouble spots Proactively manage the portfolio Analyze portfolio risk and profitability Centralize all commercial credit dataDecrease cost of system ownership Highly configurable, so the bank doesn’t have to go back toa vendor to make changes Eliminate multiple systems for a morecost-effective approach Improve the credit process Adapt to ongoing regulatory changeCustomer facing reports Generate more comprehensive reports, includingcustomized credit write-ups for both underwritingand servicingSimplify loan review preparation with a reduction inreview timeline Customize content such as chart templates, ratios andwrite-ups while controlling access rights Increase consistency in performance among allcommercial credit team members through uniformunderwriting standards Streamline credit management processLeverage common solution components andindustry templates Choose from a range of standard templates for variousindustries and support commercial & industrial,commercial real estate, agribusiness, non-profit, personalguarantor, municipalities, and financial institutions,or create customized industry templates.

Ambit Optimist4Adapt to the new market landscapeMeet challenges head-on and get the competitive edge youneed with Ambit Optimist. Drive customer satisfaction and retention–– Become a true trusted advisor with value-addingadvice and insightful conversations–– Understand customer’s business strategies thoroughlyand completely–– Give customers an understanding of how they comparewith their peers Manage credit more efficiently–– Cover the breadth of the commercial portfolio with asingle credit risk management solution–– Reduce time spent spreading–– Lower cost of ownership by eliminating multipledisparate systems and configuring reports, ratios,risk models, analysis charts, etc. yourselves.–– Create a streamlined and consistent creditmanagement processStrategic “what-if” scenario analysis Make more informed decisions and drive credit quality–– Get a holistic view of your customers, includingprojections, consolidations, global cash flowand strategy–– Run consistent credit analytics(reporting, chart of accounts)–– Yield an accurate and consistent risk rating(PD/LGD)–– Set relevant covenants that truly mitigate risk(covenants, strategy)Discover how Ambit Optimist can help improve yourcommercial lending results, enhance your customers’business performance and differentiate your bank fromthe competition. Contact us for a meeting or demo today.

About FIS’ solutions for Risk ManagementAbout FISFIS’ solutions for risk management cover pre- and post-traderisk management; integrated, enterprise-wide market,liquidity, credit and operational risk management; assetliability management; and trade surveillance. These solutionscan be used across trading and clearing platforms andaround multiple asset classes to help organizations betterunderstand their exposure, improve the visibility andunderstanding of risk across the enterprise, and comply withregulations globally. FIS’ customers include banks, brokerdealers, securities firms, clearinghouses, hedge funds,pension funds, asset managers, insurance companies,corporations and government entities of varying sizes,geographical locations and organizational complexities.FIS is a global leader in financial services technology, with afocus on retail and institutional banking, payments, assetand wealth management, risk and compliance, consultingand outsourcing solutions. Through the depth and breadth ofour solutions portfolio, global capabilities and domainexpertise, FIS serves more than 20,000 clients in over 130countries. Headquartered in Jacksonville, Florida, FISemploys more than 55,000 people worldwide and holdsleadership positions in payment processing, financialsoftware and banking solutions. Providing software, servicesand outsourcing of the technology that empowers thefinancial world, FIS is a Fortune 500 company and is amember of Standard & Poor’s 500R Index. For moreinformation about FIS, visit www.fisglobal.com.Enabling the Adaptive EnterpriseSitting at the intersection of technology and finance, FIS isfocused on delivering fresh ideas and inventive solutions tohelp our customers adapt and thrive in an ever-changingenvironment. With a blend of software solutions, cloudinfrastructure, global service capabilities and deep domainexpertise, FIS can support virtually every type of financialorganization, including the largest and most complexinstitutions in the o@fisglobal.comlinkedin.com/company/fisglobal 2017 FISFIS and the FIS logo are trademarks or registered trademarks of FIS or its subsidiaries in the U.S. and/or other countries.Other parties’ marks are the property of their respective owners.358062

Example portfolio overview dashboard Focused on your commercial portfolio Ambit Optimist is a state-of-the-art financial spreading platform with an embedded Probability of Default (PD) and Loss Given Default (LGD) credit risk rating module that can