Credit Quality:

DiCom Software Corporation’s credit quality solution – CQS – is a suite of credit quality system applications that help financial institutions to proactively manage the risk within their credit portfolio. DiCom CQS credit quality system supports the consistent application of a bank’s credit risk management policies across the portfolio, and against specific credits, to ensure an outcome favorable to the bank.

DiCom CQS is a suite of credit quality system applications that support the broad risk management functions of analyzing the overall portfolio and specific risk pools to model their composition now and over time. Reviewing risk pools from a loan review perspective to assess credit quality and managing specific credits of interest to ensure an outcome favorable to the institution.

The credit quality systems comprising CQS are:

• DiCom Portfolio Analysis is a credit quality system that provides the capability to isolate individual risk pools within the credit portfolio and model their composition. An individual risk pool’s current composition can be compared to its historical composition supporting trend line analysis and highlighting areas that may require further review.


• DiCom Loan Review System – LRS – is a credit quality system that provides a framework for tactical loan reviews. An automated sample creation tool supports the timely identification of the sample to be reviewed with the desired borrower and note data imported directly into an electronic spreadsheet. Standard reports and a report-writer support the timely sharing of review information.


• DiCom Portfolio Management is a credit quality system that supports the continual monitoring of credits of interest. Watch list loans, problem loans or simply large dollar credits are easily monitored. Responsibility for the borrower can be assigned, timely execution of activities can be triggered by a tickler system, user-defined comment categories support online dialogue minimizing paperwork and risk rating change history is tracked – all helping to ensure that your realize an outcome that is favorable for your institution.
  

To find out more about how DiCom CQS credit quality systems can support your credit risk management efforts click here.