Financial Spreading Support
With two decades of experience in delivering research and analysis services to 420+ global financial institutions, Acuity Knowledge Partners has built a strong franchise in the financial spreading process. We understand the nuances of different asset classes (C&I, Commercial Real Estate, Leveraged Lending, Asset Based Lending, Dealer Commercials), and are experienced across a range of spreading platforms.
We help lenders set up a Center of Excellence by combining our deep domain expertise with contextual technology through our spreading digital service. The model caters to the credit DNA of the lenders yet benefits from global best practices.
The digital service uses machine learning algorithms to automate the financial data extracting and mapping process complemented by domain experts to always ensure high accuracy.
Key benefits of our service delivery model is 24-hr turnaround time for time-sensitive spreads, up to 40-50% reduction in costs of spreads processing, and over 99% accuracy across spreads.
Automated Financial Spreading - Support We Offer
Automated Financial Spreading - Support We Offer
What we have delivered
250,000
spreads annually
20-25%
efficiency
24-hour
turnaround time
99%+
accuracy
Customer Testimonials
I have always respected and admired the professionalism and commitment of the spreading team. Their efforts are crucial towards serving our clients and fulfilling our credit monitoring tasks
Vice President, Asset-based Lending Group
Top global bank
I just wanted to thank you for your prompt assistance with repeated requests from our team in the past several weeks, including expedited turnaround this week. Thank you for your professionalism, attention to detail and quick response
Senior Portfolio Manager, CRE Credit Underwriting
US regional bank
We are excited for the CreditLens Go Live this weekend! Please send your team a big ‘Thank You’ for all the work they have done to help in this transition. We want to thank you and your team for your patience and understanding during the onboarding process of new team members. You are all truly wonderful, and we are so blessed to work with such fantastic colleagues
Manager, Financial Statement Spreading, Risk Data Aggregation, Analytics and Reporting
Top Canadian bank
I sat down with the team last week in LA and learned that our experience with your financial statement spreading to date has been excellent. It will be my intention to continue to see how we can do more with you and add to your business
EVP, Head of Commercial Banking
LA-based bank
I have had an excellent experience with the Acuity team. Communication has been great and spreads have been accurate and performed in a timely manner. If questions or issues arise, the team responds on time, and this is much appreciated
Senior Credit Analyst
Top global bank
Automation and workflow management platforms
Powerful financial data extraction and standardisation tool backed by strong artificial intelligence (AI)-/machine learning (ML)-based training algori
Proprietary covenant validation and analytics platform
How we are different
CREDIT PEDIGREE TO SUPPORT FINANCIAL SPREADING
Market leader in credit analysis support, with best practices developed through 100+ credit client engagements. Experience across loan books and complex lending products
DATA/PLATFORM MIGRATION
Experienced team that supports data migration from client legacy platforms to new digitised platforms, significantly reducing the client team’s workload
QUALITY ASSURANCE
SOP-driven approach, with multiple levels of quality checks to ensure over 99% accuracy
IMPROVED TURNAROUND TIME
24-hour turnaround for prospects/urgent spreads, leading to faster loan approval cycle time
FLEXIBLE STAFFING
Flexibility to scale up with trained resources, based on demand dynamics and seasonal factors
ENHANCED PRODUCTIVITY WITH ADVANCED TECHNOLOGY
Unique set of proprietary workflow, data extraction and automation tools that improve efficiency and productivity
What we have done
Centre of excellence in financial spreading for a top US regional bank
What we are proud of
15-20%
efficiency
13,000+
spreads from Moody’s Risk
Financial spreading and covenant monitoring solutions for a mid-size US bank
What we are proud of
USD1.5m
in cost savings
20-30%
increase in loan volumes managed onshore
Spreading CoE for a top US regional bank
What we are proud of
12-15%
efficiency, resulting in more volume turned over
>10,000
financial spreads delivered
Financial spreading support to a top Canadian bank
What we are proud of
USD 6mn
in cost savings and growing
27%
efficiency, resulting in more volume delivered
Meet our experts
Subhrojyoti Mandal
Director, Commercial Lending Services
Subhro has been with Acuity Knowledge Partners for over 8 years. He has 15+ years of extensive experience in credit analysis in the lending, counterparty and credit research domain. Subhro manages transition of new clients encompassing the credit analysis function across different lending lines of business. He has extensive work experience in banking products, process and systems across the lending value chain for global as well as regional corporate and commercial banks. He holds a Master of Commerce degree from Calcutta University.
Rajul Sood
Senior Director, Commercial Lending Services
Rajul heads the commercial lending practice at Acuity Knowledge Partners and has been with the firm for over 15 years. She is responsible for strategic planning, delivery oversight and management, quality assurance and supporting the innovation and technology initiatives in Lending. Rajul has extensive experience in investment banking analytics and commercial lending research services. Apart from banks, the teams she oversees also have in-depth experience in working across different lending products, processes and systems for Fortune 100 companies, SMEs and real-estate businesses. She holds a Master of Finance and Control, and a Bachelor of Commerce from Delhi University.
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