CreditQuest Portfolio Manager

CreditQuest Portfolio Manager provides Senior Risk Managers and Executive-level staff with a tool that allows for a thorough and consistent analysis of the entire credit portfolio. Data can be viewed and reported on from the portfolio-level down to the specific single customer.

Monitor Your Portfolio
Portfolio Manager provides rapid and detailed insight into your financial institution’s credit portfolio, giving decision makers the information needed to effectively manage risk. Through flexible data segmentation, you are able to drill down into the portfolio to continuously monitor concentration levels by exposure, industry segment and geography. This enables you to go beyond simply reporting and tracking. In addition, you will be able to identify developing business trends so that you can make the needed adjustments and adopt or modify policies in order to keep you on your intended course. You can also view historical banking activity by customer, relationship manager, branch and more. With this information in hand, you can quickly identify individual loans or portfolio segments requiring prompt review or more detailed attention.
Apply Powerful Reporting
Portfolio Manager rapidly sifts through an extensive amount of data to produce routine or ad hoc analyses. It allows the user to roll up monthly snapshots by quarter or by year so that you can more effectively identify and monitor trends. Routine reports are predefined in a gallery for easy access and use, and are produced immediately after each monthly data import. These analyses help you to answer questions such as:
  • What are our exposures and trends in various industry sectors, and in various lines of business? How are risk ratings migrating period-by-period?
  • What are our current key products exposures and trends?
  • What credit balances will pay off in the near future? What does the new replacement business look like?
Automatically Generate Your Periodic Reports
Portfolio Manager aggregates data monthly, automatically showing you the changes in your portfolio. It accepts data from the core system, supplements it with data from CreditQuest, and then applies mathematical functions so you have the data measures you want to work with. It automates the entire process and automatically advances the date on all your prior work. For example, if your standard reports represent the last three months of data, those same specifications are maintained. All of your reports run without any adjustment needed.
The selected data populations and views are powerful and flexible. The system is designed so that non-programmers can control and manipulate the raw data so you control the entire process and enabling you to expand its scope and power. You can choose to start with summary information, and then successively drill down into areas of specific interest.
View Trends
Essential to portfolio oversight is the ability to see the big picture and to understand the numerous undercurrents and trends. For example, you may wish to view the counts and exposure total in each risk grade and see how they have changed from period-to-period. Then you might want to explore further and see how that exposure will correlate with LTV. It is through such analysis that you are able to fully understand your overall book of business and better identify the steps you need to take to defend, strengthen and improve your situation.
Report Output
The Portfolio Manager analysis places all the data at your fingertips. While senior managers want condensed, summary portfolio-level views and analysis for executive reporting, other analysts and managers might want more specific loan-level and entity-level detail. All the data seen within the Portfolio Manager analyses can be output to a variety of reporting formats with multiple formatting options. The output report can be printed for archival purposes, saved as an electronic file, or saved as an HTML document. If desired, the HTML document may then be imported directly into Microsoft® Excel® for further processing, formatting or comparisons.
Product and service specifications
• MS SQL Server
• Oracle
Language used
• C#
• C++
• Java
• Visual Basic
Operating system
• Windows Vista
• Windows XP
Pricing structure
• Fixed
• Per seat
User interface
Portfolio management, portfolio reporting, portfolio concentration management, monthly reports, view trends