Priora Financializer

"Tony offers a high level of professional skill and insight into the financial workings of an organization. He is particularly talented in dealing with cash flow requirements and understanding the needs of lenders."
Tim Flynn, President

Priora® Financialyzer™

Priora® Financialyzer™ is an Excel based system designed to provide a lender or investor with the ability to evaluate the creditworthiness of a business entity to repay it’s debt obligations.

Priora® Financialyzer™ is a template used to collect and process critical foundational and financial information about the borrower. The data is then internally directed to various output reports and graphs to enable the lender/investor to make their credit decision.

Features include:

  1. The “Borrower Data” section collects and manages foundational data about the Borrower.
  2. Up to five years of historical yearend financial information is entered to generate a financial ratio performance report and several graphs. Monthly interim financial data is also recorded.
  3. The historical Income Statement automatically produces a pro-forma Income Statement based on at least three years of historical data entered.
  4. A Risk Rating Matrix is generated measuring nine different dimensions of the business. Specific Risk Rating standards can be customized by the lender to conform to loan policy requirements.
  5. A complete Loan Presentation format is produced from the information mentioned above.
  6. The Loan Presentation Report includes a complete collateral analysis; a complete cash flow analysis; a real estate economics analysis; and room for comments from the lender/credit officer.

Benefits include:

  1. Priora® Financialyzer™ can be customized by Priora® Cash Flow Management, LLC to meet the specific needs of the lender.
  2. All loan requests are evaluated using a consistent format improving portfolio management.
  3. Loan Presentation is prepared using more objective data with subjective comments provided by the lender/credit officer.
  4. Will improve communications with regulators relative to loan classifications.
  5. Provides an excellent training platform for lenders to apply underwriting standards of loan policy consistently to all borrowers.
  6. Excellent format to discuss the quality of the credit with the owner of the business.
  7. Consistent application of risk management strategies to all loans in the portfolio.
  8. Priora® Financialyzer™ may be integrated to the core operating systems of the lending institution because it is Excel-based.

Lenders and Investors will appreciate the intuitive and logical flow of the data relative the borrowing entity. This template can be modified and customized to meet the specific needs of the lender/investor.

For more information or to request a demo please contact us.