Western Banker November/December 2022

With increased volatility in the institutional loan markets, it takes experience to maximize results. Market participants are constantly balancing credit risks, global economic changes, interest rate fluctuations, geographic diversification, and many other market complexities in order to optimize the value of their balance sheet. As innovative whole loan market specialists, our extensive knowledge of the secondary loan markets enables us to achieve success where others fail.

Encapture is a machine learning platform that accelerates funding times and improves loan margins for both banks and fintech lenders. As an omnichannel solution, we easily integrate into any banking or lending process to auto-verify incoming documents, auto-populate business systems with key data points, and auto-request additional documents that may be missing or incorrect providing full transparency. By using machine learning in a challenging labor market, you do not have to re-consider headcount or additional resources as a bottleneck when there are changes in demand.

Website: https://www.pointe-marketing.com

Website: www.encapture.com.

Having facilitated $19 billion in personal loans since inception, Upgrade Inc. partners with banks to give them access to prime consumer assets for a variety of goals, including income, balance sheet diversification, and liquidity deployment. As a marketplace lender for 175 financial partners, Upgrade provides banks a digital channel to consumer loans, card loans, and auto refi loans through a seamless online experience. They also have a loan-for-deposit sweep program available. Upgrade is based in San Francisco, with a technology center in Montreal, Quebec, an operations center in Phoenix, and a regional office in Atlanta. Upgrade placed on American Banker’s Best Places to Work in Fintech 2022.

Website: www.upgrade.com/institutions/

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WesternBanker | Issue 6 2022