Financial Spreading – Center of Excellence

Creating a centre of excellence in financial spreading for clients worldwide

Software Agnostic 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.

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

How we are different

Credit pedigree
Credit pedigree

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
Data/Platform migration

Experienced team supporting data migration from client legacy platforms to new digitized platforms thereby significantly reducing workload for the client team

Quality assurance on financial spreading
Quality assurance on financial spreading

SOP-driven approach with multiple levels of quality checks to ensure 99%+ accuracy

Improved turnaround time on financial spreading
Improved turnaround time on financial spreading

24-hour turnaround for prospects / urgent spreads, leading to faster loan approval cycle times

Flexible staffing
Flexible staffing

Flexibility to scale up with trained resources, based on demand dynamics and seasonal factors

Enhanced productivity with advanced technology
Enhanced productivity with advanced technology

Unique set of proprietary workflows, data extraction, and automation tools that improve efficiency and productivity

Talk to an expert

See how we can help you improve your processes and make you
more efficient.

What we have done

Centre of excellence in financial spreading for a top US regional bank
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
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
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

Support for Consulting and Corporate Firms
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

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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.

Subhrojyoti Mandal
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.

Rajul Sood
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