ExceptionComplete | Exception Complete Software

What is your company name?  Vision Software Solutions, and we offer solutions to minimize your risks/

How do you refer to your customers? Clients

What does your company offer?  We sell ExceptionComplete an exception tracking tool for reviewing financial covenant compliance of commercial loans, analyzing real estate sensitivity; stress testing loans and portfolios; all while minimizing the risk to your institution.

How would you describe what your company does? ExceptionComplete provides a systematic approach for Clients to insure compliance with loan contracts, track Credit and Loan Policy Exceptions, report on loan exposure concentrations of related borrowers & business exposure concentrations for exposure management and infractions of financial covenants by borrowers.

How would you describe your company's experience and background? Our products been a vital part of the credit underwriting and risk management process in thousands of community banks and credit unions for the past 21 years.  ExceptionComplete significantly complements our offering by adding the covenant tracking capabilities and analyzing more complex financial transactions and providing various spread formats which are industry specific to provide uniform analysis.

How would you describe the key product/service of your company? Thousands of lenders depend on our products to minimize risk in commercial lending. ExceptionComplete will add proven features and functionality to our product offering for our current Clients who now receive exceptional personal customer support.

What is the objective of an appointment?  To uncover the needs of the prospective client and match those needs to solutions found in ExceptionComplete.  We will demonstrate how our product addresses and meets those needs through live product demonstrations, and will work with the client to set up a live environment.

What are your company's differentiators?
  1. We provide a live response to questions on the software and technical support.
  2. ExceptionComplete is a modular system so the customer only buys the needed components; other modules may be added at any time.
  3. ExceptionComplete has been designed for and is priced around the needs of community banks, credit unions, regional banks and farm credit banks.
  4. ExceptionComplete is compatible with host processors, small business scoring tools, and loan documentation packages. This permits the analysis of changing credit profile with actual loan exposure and risk.
  5. ExceptionComplete features a secure database, behind your firewall, with complete integrity.
What results do you provide your customers?

  1. ExceptionComplete ends the battle with curing exceptions and tracking loan covenants
  2. Better documentation for auditors and regulatory examinations, ensuring institution compliance.
  3. Interfaces to  loan accounting systems, credit bureaus, host processors, small business scoring tools, loan documentation packages, and more.
  4. ExceptionComplete will lower the institution’s loan portfolio risk by enhancing the ability to track changing risk and portfolio outstands to perform a systematic “early warning” process for Loan Review and Credit.
  5. ExceptionComplete provides Credit Department reports that accurately display the status of the loan.
  6. ExceptionComplete can generate exports to Word and Excel for further analysis and to support Loan Committee approval documents.
What key problems does your company solve?
Are you using a post-it notes to track exceptions in a loan package?, or worse a calculator, to analyze financial covenant requirements? 
  1. ExceptionComplete quickly generates the necessary ratios, trends, cash flow reports, combination and consolidation of related borrowers or acquisitions, and more enabling the analyst to make sound lending Is lending criteria difficult to standardize within your institution? 
  2. ExceptionComplete judges each commercial loan against your policy and provides reports on individual borrowers and across the bank’s portfolio.
Do you spend hours generating a loan package? 

ExceptionComplete automatically provide comprehensive credit underwriting reports including a loan exception document that is perfect for pre and post approval review.

Are you concerned about the quality of your commercial loan portfolio? ExceptionComplete will help your institution manage its loan portfolio risk by providing sound credit underwriting to the decision process and systematic follow-up in tracking the borrower’s compliance with that underwriting.

Are loan covenants important to the health of you commercial portfolio? 

ExceptionComplete automates comparison to the latest spread data for the specific borrower and against its agreed upon financial covenants and loan policy; and quickly identifies any deficiencies.

What is your closing statement and call to action?  To learn more about how ExceptionComplete can reduce risk, increase loan quality, and allow your lender to better understand and serve clients, please visit our website at www.exceptioncomplete.com or call 800-248-5550.

 What is your company's specialty? We specialize in providing the best commercial lending tools to financial institutions, in order to maintain their highest standards of compliance, customer service and risk management.