Credit Risk Management

Automated risk assessment and credit origination on a flexible and scalable software platform

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CREDIT RISK MANAGEMENT Platform

Robust and scalable software for credit risk management

Sound practices and tools for credit risk management are essential to the long-term success of banking organizations and financial services providers. The Credit Risk Management Platform enables the analysis of credit risks, the automation of lending and decision-making processes as well as continuous risk monitoring.

Core features of the platform include capturing and spreading financial statements as well as a flexible framework for the implementation of internal rating and scoring models. Based on an in-depth risk assessment, the platform enables the implementation of complex strategies and workflows for credit origination and monitoring.

COMPONENTS & MODULES

One centralized application, numerous possible uses

Client & Facility
Management

 

  • Integration with existing data sources for seamless synchronization of client, facility and collateral data
  • Management of client relationships, e.g. economic risk units, borrower units

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Financial
Spreading

 

  • Capture, spread and analyze financial statements
  • Compare financial statements between companies and peer-groups
  • Supports all accounting standards

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Credit
Risk Rating

 

  • Implement and execute internal and external rating models
  • Calculate any risk parameter, e.g. PD, LGD, EAD for risk management (IRBA) and accounting (IFRS9)

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Credit Workflow &
Decisioning

 

  • Workflow-enabled processing and decisioning on credit applications
  • Flexible configuration of credit policies and underwriting processes

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Early Warning
System

 

  • Establish multiple variations of early warning indicators
  • Monitor risk in order to generate early warning signals
  • Assess and process warning signals

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Credit
Bureau Gateway

 

  • Seamless connectivity with external data providers, e.g. credit bureaus
  • Standard connectors to major credit bureaus
  • Monitoring of credit bureaus and transactions

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Reporting

 

  • Create and configure standard and ad hoc reports
  • Aggregate data and analyze credit risk at the portfolio level
Model Simulation

 

  • Adapt rating models and process flows
  • Simulate modified models against a historical database
  • Analyze the impact of model adjustments
Stress Testing

 

  • Create scenario simulations of stress tests
  • Execute stress tests against historical data sets
  • Analyze the impact of a stress scenario on a credit portfolio level

Benefits

Comprehensive & Modular

Support of all operational and analytical credit risk management processes - e.g. reporting, stress testing, annual financial statement analysis and rating - on a central platform.

Centralized & Standardized

Implement any type and number of internal rating models for evaluating the default probability of obligors (PD), loss given default (LGD), and models for risk-sensitive pricing.

Simulation Capabilities

Built-in processing engine for running simulations, allowing to simulate changes to rating models before launch and to modified/stressed risk factors.

Traceable & Auditable

The platform ensures maximum auditability for model administration as well as during the operational execution of processes, e.g. risk ratings, financial spreading.

Flexible & Customizable

Flexible adaptability to customer-specific requirements via an intuitive graphical administration platform based on the business rules management system ACTICO Rules.

Seamless Integration

Seamless integration of external data suppliers into the credit decision process via standard interfaces and importability of data from any internal and external sources.

Customer Story

100 Percent Digital Customer Journey

DMI Finance is a fast-growing financial services company that provides consumer loans, home loans and corporate finance services. Using ACTICO Platform helps DMI in achieving their ambitious growth targets. Watch the video and let DMI Finance tell you how they are moving towards a 100 percent digital customer journey.

Contact

Talk to our experts about your new Credit Risk Management solution.

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