Warehouse Lending Department
Major bank eliminates manual collateral tracking across twelve warehouse lines with same-day borrowing base
Asset Classes
The Challenge
A top-20 US bank's warehouse lending group managed twelve active warehouse lines across consumer, auto, and SME asset classes. Each line had unique eligibility criteria, concentration limits, and reporting requirements. Collateral tracking was done in deal-specific spreadsheets, and borrowing base calculations required 2+ days of manual reconciliation. Intraday draw requests were impossible because the team couldn't calculate available capacity in real time.
The Solution
Real-Time Collateral Monitoring
Automated tracking of pledged collateral across all twelve warehouse lines with continuous eligibility and concentration checks.
Same-Day Borrowing Base
Borrowing base calculations run automatically on every data refresh, enabling intraday draw requests for the first time.
Multi-Line Facility Dashboard
Unified view of utilization, headroom, and covenant compliance across all warehouse facilities in a single interface.
Automated Lender Reporting
Standardized reporting packages generated for each warehouse lender with full data lineage and audit trail.
We eliminated manual collateral tracking across twelve warehouse lines. Same-day borrowing base calculations went from a pipe dream to our daily reality.
— SVP, Warehouse Lending