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State-of-the-art systems, processes and other smart tools enable Pinnacle consultants to deliver a detailed study of your financial institution's entire operations.
Blueprinting
Our proven techniques allow us to analyze your institution's goals and objectives to identify opportunities — from within the organization and external — to help capture market share.
Our blueprinting process includes:
- Detailed review of your institution's strategic plan with executive management
- Detailed review of current goals and objectives
- Mapping of processes throughout the organization
- Shopping customer contact areas
- Validation techniques
Operating Models
From our experience with several hundred banks and credit unions, we have compiled a comprehensive proprietary checklist of key criteria that present potential opportunities to improve profitability.
Our corresponding software, containing predictive operating models, assists in our detailed analyses of your operations. Below is a sampling of our models:
Cash Analysis Model
Determines proper operating cash levels for all branches, support operations and ATMs.
Teller Staffing Model
Charts customer traffic patterns by hour of day to determine proper staffing levels using your actual transaction data. Included is a detailed staffing report and a staffing level chart for each branch and support function.
Product Profitability Model
Provides in-depth profitability data by balance strata on each of your products, including annualized expense, service charge revenue and investment income. This intelligence enables the modeling of instant, what-if scenarios.
Federal Reserve Model
Validates required reserve information from the FR2900, identifies potential discrepancies and legally includable assets and liabilities that minimize your reserve requirement and maximize investable funds.
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