At the same time the Bank is able to monitor and manage risk, and provide financial migration assessment utilizing it’s historical data.  This is truly a unique product combining loan accounting system information with predefined risk imports of various factors such as rate of inflation, economic growth rate, level of interest rates, political/regulatory impacts by industry, and the impact of technology and competition on various industries. 

Total costs per year will be less than any other comparative product.   There is no limit on access, number of users, or the amount of history that can be maintained.

Portfolio Analysis Made Easy

• Simplified input of standards and assumptions

• Predefined Risk Tables based on economic growth, interest costs, inflation, and other factors such as political, technological, and regulatory impact on various industries

• Probability of loss factors stored in a table by collateral types

• User defined summaries and reports using powerful ad hoc reporting tools that can combine with other central data bases

• Maintains history for user defined time periods and future projections

• Migration and comparative analysis/trends

• Interactive web tool

• All industry and collateral types supported

More Effective Portfolio Management

• Special spreads and scripts to qualify prospects to maximize risk profiles

• Retention of data throughout the business cycle

• Passing of the data to underwriting for portfolio balancing or industry “interest” levels

• Ability to assess the impact of economic growth, level of inflation, level of interest rates, and other variables as indicators/predictors of portfolio performance 

Provides Analysis Supplement for Loan Review Process

• Loan and customer level computations

• History for migration

• Modeling facilities

• Substantiates downgrades/upgrades

• Ability to compare actual results to prior years forecasts

Combine with Financial and Bureau Information

• Use Bureau scores as part of rating

• Create scripts to compare ratios to bureau data and the loan risk rating

• Standardizes the entire process by product, industry, and or policy