DiCom's CQS provides a powerful set of tools supporting our efforts to minimize risk and effectively manage our loan portfolio.

Kent Kirby
Commerce Bancshares
Kansas City, MO

Corporate Profile

Credit quality erosion is one of the most devastating risks a financial institution faces. The DiCom solution helps financial institutions identify and reduce exposure to credit risks by utilizing technology and experience to automate the credit risk management process for today’s credit risk professional.

The Leader In Credit Quality Solutions…

Today’s credit professionals need more than technology to assess credit quality. They need a strong partner with the knowledge and proven solutions to assist with the credit risk management process. That’s why more and more financial institutions are turning to DiCom. DiCom provides the knowledge and tools to meet the demands of today’s credit risk professionals.

Since 1993, DiCom Software has delivered credit review software solutions to financial institutions assisting in identifying and reducing their exposure to credit risks. DiCom LRS™ is now used by banks throughout the United States to automate their credit review process. The original DiCom solution was designed with input from banks of every size to ensure compatibility across a full spectrum of operational requirements. Today, our client base reflects that design philosophy with our clients ranging in size from $500 million to over $100 billion in assets.

As the leading provider of automated credit review systems, DiCom recognized the need to extend credit risk management beyond the review process. As a result, DiCom’s Credit Quality Solution (CQS) was developed to support the three primary credit risk management processes: analyze the overall loan portfolio to assess risk and effectively manage it, review individual credits to identify potential risks and manage specific credits on an on-going basis to ensure an institution’s position is protected.

DiCom realizes the importance of building relationships both with our clients and between our clients. Our network of DiCom user groups provides interaction and participation in the development of new solutions. DiCom’s commitment to input from our clients led to the creation of our Collaborative Development Strategy (CDS). The CDS is a comprehensive structure of users and industry professionals who contribute to the growth and evolution of the DiCom products. Through the CDS process, industry strategies are discussed to address both current and future credit review issues. These ideas are then incorporated into the DiCom products to continually provide our clients with a superior solution. We believe that the practice of sharing ideas and creating common resolutions builds a stronger credit review community for all of us.

DiCom’s strong commitment to continual dialogue with our customers and the credit review community, combined with our customer-centric operating philosophy, will continue to position us as the leader in credit quality solutions.