Relationship Management

Today, your customers have more choice of where to do their banking than ever before. Competitive pricing has become the norm just to keep your existing customers. With shrinking margins, slowing loan growth, and commoditization of products, the customers you keep and acquire must contribute to the profitability of your institution.

This can only be achieved by expanding your relationships with your highest value customers and renegotiating or minimizing the relationships that provide poor returns or erode profitability. How can you tell which option is the most appropriate?

SunGard can help. SunGard’s Ambit Relationship Manager helps loan officers to price new or existing business for customer profitability. With a clear view of the customer’s complete banking business, loan and credit officers can gain a better understanding of the impact of that business on the entire customer relationship, facilitating better business decisions. Instead of simply pricing to market, you can use risk-based pricing to gain market share among the best customers and make strategic lending decisions that result in the highest long-term value for your institution and the relationship.