Spread over Cost of Funds - Notification


Spread over Cost of Funds is presented as a notification on the Summary window and Rate fields. The notification message is configurable. There's an option to include Liquidity Premiums in the Cost of Funds calculation as well. That calculation formula is: (Raw Interest Income - Total Interest Expense) / Average Balance. The value is adjusted if the Actual/360 interest option is used. If you choose to exclude Liquidity Premiums, Total Interest Expense in the formula is replaced with Raw Interest Expense.


In this Article


Configuring and Testing the Skill

Before enabling the skill for the targeted audience, you first need to ensure that the skill is working properly by testing it. To do this, navigate to the skill details page to configure and enable the skill for your Testing audience:

  • Select Testing under the Audiences section.
  • In the Version dropdown menu, select the version of the skill that you want to test. This will display the skill configurations.
  • In the General Configuration section on the skill details page, enter the following information to configure the skill:

General Configuration

  • Include Liquidity Premium? - Should liquidity premiums be included in the Spread over CoF calculation? Removing them uses raw interest expense only.
  • Notification Text - This is the notification tag text. Placing {{insertSpread}} in your message will cause it to be dynamically replaced with the rounded bps number.

Select Enable Changes to enable the skill for the Testing audience. Once you've enabled this skill for testing, make sure you've added the users who will be testing the skill to the Testing audience.


Viewing the Skill in PrecisionLender

shows the skill message in Andi



Always remember to save the opportunity to apply your changes.


Enabling the Skill

After you've viewed and tested the skill, you are ready to enable the skill for the targeted Audience.

  • Navigate back to the skill details page for the skill you were testing.
  • In the Audiences section, select the targeted audience for this skill and choose the version of the skill you're enabling. When the latest skill version is published by the skill owner, it will automatically be available for selection in the list.
  • Open the configuration and select Copy Config From… to copy all of your configuration settings from the Testing audience.
  • Select Enable Changes to enable the skill for the targeted audience.


After enabling the skill for the targeted audience, we recommend disabling it for the Testing audience.

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