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The Credit screen is the workspace for commercial lending. You work one deal at a time. RelayHub reads each borrower document and checks each figure against the source. The spread, the deal terms, the policy check and the credit narrative are all in the deal. Credit is part of the Lending module. It is in the Modules group of the sidebar. See Modules.

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The deal list

The screen shows your deals. Each row shows the borrower name, the analyst, the status (Draft, In review, Complete or Approved), the number of line items and the date. The row also shows how many values wait for your review, or Awaiting documents if the deal has no documents yet. Click a row to open the deal.

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Start a credit request

1

Enter the borrower

In the field Borrower or relationship name, type the name of the borrower.
2

Click New credit request

Click New credit request. The document intake opens.
3

Describe the deal

In About this deal, answer What does the borrower file? (for example C corporation, S corporation, Partnership, Multi-member LLC or Sole proprietor) and How many fiscal years?. Select There are guarantors on this credit or The collateral is an income-producing property if they apply.
4

Build the document list

Click Build the document list. RelayHub shows Documents for this deal, with each document that the deal needs.
5

Add the documents

For each document, click Choose file. If you do not have a document, click Do not have it? and select Not applicable to this deal or Borrower will provide later.
6

Go to the spread

Click Continue to the spread. You can continue before all documents are in and add them later.
Each document shows its status: Needed for this deal, Optional, Reading it now, Read and added to the spread or Could not be read. Try again.

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Work a deal

An open deal has four tabs:
  • Spread: the figures from the documents. RelayHub proves each figure against the document, or holds it for your review.
  • Deal terms: the terms that you write. They appear in the Loan Presentation exactly as you enter them.
  • Policy & stress: the policy drivers of the deal, with the value of each driver and the bank policy. Use Stress this borrower to change a proved input and read the drivers again. A stress test does not change the spread or the credit memo.
  • Credit narrative: click Draft the narrative. RelayHub writes the narrative from the proved figures only. Edit it, click Save revision, then click Approve. After the approval, you cannot edit that version.
At the top of a deal:
  • Add documents opens the document intake again.
  • Exhibit opens the spread exhibit. To download it, click PDF.
  • Loan Presentation opens the Loan Presentation in the format of your bank. To download it, click PDF.
  • All deals goes back to the deal list.