DiCom LRS Lite™
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From the user friendly import feature
to the extensive reporting capabilities, DiCom LRS Lite™
keeps the community bank’s needs in mind. Utilizing
today’s technology, line sheets are electronically updated
with the automated scope selection
feature resulting in quicker and more accurate data. Reports
are produced from the electronic
line sheets eliminating the need for duplicate data entry.
Utilizing the remote synchronization
feature of the Lite system, the review can be managed throughout
the review process, even out in the field. As a result, the
review findings can be discussed before ever leaving the site.
And to address your institution’s requirements, built
in customizable, user defined
preferences enable the system to be tailored to meet your
specific needs.
The Lite system was designed for today’s community
bank. With minimum technological requirements and user-friendly
components, any community bank can implement a feature-rich,
automated credit review system to address its commercial credit
quality issues today. Contact us today for an interactive
demo.
Importing Data
• DiCom LRS Lite™’s import feature enables
the user to map data from an ASCII or CSV file directly into
the Lite system. The mapping templates can be saved for each
import, expanding the availability of data from different
data sources for different review focuses.
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Automated Scoping
• Scoping tools include point-and-click functionality
for review selection.
• Options for scope selection include Random, Penetration,
Summarization and specific data elements. These parameters
can be used together or separately to electronically create
a sample giving review departments the ability to make their
scopes as detailed or as simple as needed.
• The review data automatically populates the electronic
line sheet based upon the user-defined scoping criteria.
• Additional scoping features enable adding and removing
credits from the sample at any time during the review.
• Scoping queries used in creating the review sample
can be saved for reuse in future reviews.
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Electronic Line Sheets
• All credit data is maintained in one area eliminating
the need for duplicate input for editing or reporting. Editing
areas are broken out by borrowers, notes, financials, collaterals
and exceptions for ease of flow when evaluating a credit.
Also included are fields dedicated specifically for the management
of the review as well as user-defined fields and user-labeled
fields for built-in flexibility.
• A complete financial module enables spreading data
to be maintained with each credit. Tailored financial templates
designed specifically for different financial entities enable
flexibility and ease-of use for financial data analysis. Multiple-year
tracking and built-in calculations add additional efficiencies.
Reporting capabilities enable the financials to be produced
as a stand-alone report or as part of other reports.
• A comprehensive exception processing feature with
simple point-and-click operation enables each exception to
be assigned user-defined characteristics that reflect the
severity of risk for each exception. The exception feature
also aggregates and assigns exposure at both borrower and
note level eliminating the double counting of exposure. The
exception reporting capabilities give immediate results in
a wide variety of formats including by borrower, exception
description, loan officer and review officer.
• To ensure review data consistency and reduced keying,
edit screens throughout the system include code look-up selection
lists for most input fields.
• Multiple comment fields are strategically located
for subjective analysis. These fields include basic word formatting
options and spell checking capabilities to enhance the written
analysis.
• Review Management features include the ability to
specify which review data should be completed before the credit
is considered finished and to track which credits have been
completed. In addition to credit status tracking, the on-going
status of the portfolio penetration is also maintained as
credits are added and removed from the sample.
• Regulatory classifications for each credit can be
displayed on the credit review screen with the touch of a
button.
• Electronic credit assignment permits multiple credits
to be assigned to specific analysts and enables on-going tracking
of the review process.
• Relationship definitions within related borrowers
tie the relationships together.
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Full Reporting Capability
• Reporting results are produced with data automatically
populated from the review input screens eliminating the need
for duplicate data input.
• The reporting module has a library of approximately
55 review reports including multiple grading and exception
reports as well as reserves, new loans and watch loans reports.
Many of the reports incorporate multiple sorting options enabling
the user to see the same data in different formats. In addition
to the review reports, multiple line sheets, loan write-ups
and financial reports can be generated for each specific credit.
• The Data Analysis Module is the built-in report
writer feature enabling users to select data from the review
and develop customized reports. User-defined reports can be
saved for reuse in future reviews.
• Exporting features provide the ability to distribute
reports in a variety of ways, including email.
• For regulatory purposes, data can be exported from
the Data Analysis Module in the required ILD file format.
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Remote Database Synchronization
• Mobile and networked access to the review database
supports analysts that are working on a review from a shared
network folder, or on their local workstation. Review data
synchronization is supported, when network access is not available.
• The synchronization feature incorporates all of
the review data into one main database without the need to
copy and paste data from one review to another. With collective
review data, the results and conclusions can be evaluated
throughout the course of the entire review cycle.
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User-defined Preferences
• User-defined exception descriptions and risk categories
give the user total control over defining custom exceptions
and the severity of risk for each exception.
• The security system defines the user’s functionality
based upon their logon and their defined role for each review.
When multiple reviews are being performed simultaneously by
the same user, the security system automatically determines
how much functionality the user has within each of the specific
reviews.
• The user-defined grading scale supports alphanumeric,
borrower and note grading.
• User-defined heading, formatting options and scrollable
comment screens option enable the user to customize their
system.
• Preferences and defaults are established and maintained
by the in-house System Administrator enabling departmental
control over the entire system.
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Community
Bank Solution
