Making the Supercharged Relationship Manager a Reality
There’s a lot of buzz about “AI” in banking right now, but let’s be honest—some of it is just hype. Every week, another company slaps "AI-powered" onto its marketing materials, hoping it will magically solve every business challenge. The reality? True AI isn’t about fancy labels. It’s about delivering real, practical, in-the-moment intelligence that actually produces results.
Deloitte’s recent report on the "Supercharged Relationship Manager" nails it: Commercial Relationship Managers (RMs) are under more pressure than ever to deliver tailored, insightful advice in an increasingly complex and volatile world. Banks that fail to close the “understanding gap” risk losing clients, while those who invest in the right tools can turn their RMs into competitive advantages.
Pricing is arguably the most important window of the commercial banking opportunity cycle for delivering that differential value and driving results. This is where Q2 PrecisionLender is a game changer, as our 140+ clients, including more than half of the 15 largest commercial banks in North America, can attest.
AI that’s been here all along (We just call it “applied intelligence”)
Deloitte highlights three key areas in which technology can turbocharge RMs:
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- APIs: To integrate disparate systems and data sources
- AI: To deliver predictive insights and proactive guidance
- Alliances: To leverage best-in-class solutions
PrecisionLender checks all three boxes. It doesn’t just aggregate data—it transforms it into coachable, strategic action that aligns with bank goals and client needs, thanks to Andi ®.
While others in banking are just now discovering AI, we’ve been immersed in it for more than a decade through Andi™, PrecisionLender’s virtual coach. But Andi isn’t artificial intelligence – not in the flashy, ChatGPT sense. Andi is something better—"applied intelligence.”
Andi works in real time, using business rules and machine learning as well as referencing real data to surface insights. Andi delivers these insights to RMs at the critical moment, helping them to structure and price deals that make sense for both the client and the bank.
Real-time guidance = real business impact
Deloitte points out that 82% of RMs want better technology to help them serve clients. Meanwhile, only 37% of clients feel like their RMs actually understand their business. That’s a problem.
PrecisionLender helps close that gap in several ways:
Better pricing and structuring: PrecisionLender clients consistently exceed industry averages across several key performance metrics. Based on FDIC numbers calculated year-over-year (Q4 2023 to Q4 2024) our clients produced:
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- 39% higher deposit growth
- 3x higher commercial loan growth
- 10 bps higher net interest margin
- 14.9% lower non-performing loans rate
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Smarter decision-making: Andi’s in-the-moment coaching helps RMs navigate complex pricing and structuring decisions without having to rely on static, backward-looking models based on stale, likely outdated assumptions.
More strategic conversations: Instead of guessing at what might work for a client or prospect, RMs can walk into meetings armed with proposals based on real data, such as portfolio and market comparisons, as well as tailored insights that can be configured to align with bank strategy.
Improved efficiency: The PrecisionLender platform seamlessly integrates with major CRM and LOS platforms. Andi can also bring deal teams together to facilitate existing exception and approval workflows. That frees up RMs to spend their time where it matters – collaborating with clients, prospects, and partners.
Timely teaching: Andi can help RMs understand the business of commercial banking, whether it be banking 101, complex pricing topics, or the nuances of each bank’s internal processes. This happens through using Andi’s “skills,” which can be tailored to surface a variety of information “in the moment” during pricing and structuring, as well as through a configurable chat feature that can be used to respond to questions.
In short, PrecisionLender can help turn average RMs into excellent RMs.
Relationship teams win (not just RMs)
Here’s another key takeaway from Deloitte: It’s not just about individual RMs.
The entire deal team—including credit, treasury, and product partners—needs to be aligned. That’s why PrecisionLender isn’t just a pricing tool. It’s a relationship profitability and coaching platform that helps banks price entire relationships, not just individual deals, to deliver differential value.
Let’s be clear: Winning the right business at the right pricing matters more than ever. With liquidity pressures, margin compression, and shifting credit conditions, banks can’t rely on credit alone, and they can’t afford to leave pricing and structuring to gut feel.
AI that’s actually accountable
One last thing: While AI is getting more powerful, it’s also getting more mysterious. Many AI systems operate in a black box, making it impossible to understand how they arrive at decisions. That’s not PrecisionLender.
Andi is transparent, and guides RMs based on real data from their bank, strategies defined by their institution, and best practices and insights mined from thousands of bankers pricing millions of relationships and opportunities. That’s why we call Andi “applied intelligence” – Andi’s not just making guesses—Andi’s helping banks drive measurable results.
The bottom line
Deloitte got it right: The banks that empower their RMs with better data, smarter insights, and real-time intelligence will win. That’s exactly what PrecisionLender delivers.
If your bank is serious about closing the understanding gap, growing profitable relationships, and making RMs more valuable than ever, it’s time to stop chasing the latest AI buzzword and start using the AI that’s been delivering real value for over a decade.
Reach out when you’re ready to learn more about how PrecisionLender delivers Applied Intelligence – the AI that banks and RMs actually need.