What is a Loan Production Trend Report?

Loan Production Trend Reports are considered operational analysis tools and are used by executives and loan managers to monitor monthly trends and anomalies in branch-level and consolidated loan metrics. Some of the main functionality in this type of report is that it displays all the months of the year across the columns and loan metrics with totals down the rows. Key figures for each loan category are: Interest Rate, FTP Expense, Net Interest Margin, Loan Fees and Origination Fees. Examples of loan types in this report are: Commercial/Construction Loans, Mortgages, Consumer Loans, and Total for All Loans (not visible in the screenshot below). You find an example of this type of report below.

Purpose of Loan Production Trend Reports

Credit Unions use Loan Production Trend Reports to give managers a clear picture of monthly trends and anomalies in the loan portfolio of each branch. When used as part of good business practices in Loan- and Finance departments, a company can improve its product offerings and profitability, and it can reduce the chances that decision-makes lack key monthly trend insights when they create or modify loan products and terms.

Example of a Loan Production Trend Report

Here is an example of a Loan Production Trend Report with key metrics per loan category.

Example of a Loan Production Trend Report for Credit Unions

Example of a Loan Production Trend Report for Credit Unions

You can find hundreds of additional examples here

Who Uses This Type of Report?

The typical users of this type of report are: Executives, branch managers, loan managers, finance leaders, risk managers, analysts.

Other Reports Often Used in Conjunction with Loan Production Trend Reports

Progressive Loan- and Finance departments sometimes use several different Loan Production Trend Reports, along with detailed loan reports, loan portfolio dashboards, KPI dashboards, branch benchmarking reports, annual budgets, profit & loss trend reports, balance sheets and other management and control tools.

Where Does the Data for Analysis Originate From?

The Actual (historical transactions) data typically comes from enterprise resource planning (ERP) systems like: Microsoft Dynamics 365 (D365) Finance, Microsoft Dynamics 365 Business Central (D365 BC), Microsoft Dynamics AX, Microsoft Dynamics NAV, Microsoft Dynamics GP, Microsoft Dynamics SL, Sage Intacct, Sage 100, Sage 300, Sage 500, Sage X3, SAP Business One, SAP ByDesign, Acumatica, Netsuite and others.

In analyses where budgets or forecasts are used, the planning data most often originates from in-house Excel spreadsheet models or from professional corporate performance management (CPM/EPM) solutions.

What Tools are Typically used for Reporting, Planning and Dashboards?

Examples of business software used with the data and ERPs mentioned above are:

  • Native ERP report writers and query tools
  • Spreadsheets (for example Microsoft Excel)
  • Corporate Performance Management (CPM) tools (for example Solver)
  • Dashboards (for example Microsoft Power BI and Tableau)

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