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Portfolio Monitor
One of the keys to successful management of your institution’s credit portfolio is not only to see the potential risk posed by each individual credit, but also to manage that risk by ensuring that you are always in compliance with the credit monitoring requirements of your loan policy. In today’s complex financial environment, credit executives must have advanced tools to continuously monitor credits within their portfolios to manage potential risks and enact strategies to protect their organization from loan losses.
DiCom’s Portfolio Monitor provides a risk based environment to direct loan portfolio activity and ensure compliance with loan policy. Relationship managers, portfolio managers and credit analysts will use it as a common point of consolidation for documenting all activities related to borrowers and notes. Bank executives and credit administration will be able to monitor the
portfolio overall and know that you are in compliance with your loan policy.
Prove to regulators that you are in compliance with your loan policy by having a risk based scheduler remind users when to interact with a borrower or note and what needs to be done. A reporting environment documents what occurred and alerts notify you when required activities have been missed. You will always know who last touched a loan, for what purpose and what they did. Eliminate fire drills preparing for regulatory exams.
Instead of struggling with spreadsheets attempting to consolidate data from multiple sources, DiCom Portfolio Monitor is a fully integrated solution that delivers borrower, note and financial data at your fingertips so that you can easily manage credit risk.
Portfolio Monitor Benefits
- Ensure compliance with loan policy and eliminate regulatory fire drills
- Identify problems early and never be surprised when a borrower ends up on the watch list
- Easily share borrower and note information across bank departments leveraging group
efforts
- Know that your risk ratings accurately reflect a borrower or note’s current status
- Supports credit quality to help increase profitability
Integration with CQS Loan Review enhances your ability to support continual monitoring with
risk rating changes in loan review automatically dictating new monitoring schedules with no manual intervention. Analysis from each operating group throughout the bank is available
online leveraging the work done in one area across all others increasing efficiency and providing maximum benefit. A tickler feature facilitates timely and efficient follow up to monitoring activities and empowers users to establish their own unique activities and stay in control of their credit risk responsibilities.
DiCom Portfolio Monitor enables you to proactively monitor your institution’s credit relationships to make effective decisions that will drive the successful outcomes your organization demands. With an arsenal of powerful management tools, Portfolio Monitor provides your organization with greater understanding, awareness and control over its entire loan portfolio.
Portfolio Monitor Features
- System of record for tracking activities related to complying with loan policy
- Risk based scheduler to remind users when to monitor borrowers and notes
- Alerts for when deadlines are missed
- Ability to monitor changes over time to understand risk migration patterns
- Problems found in loan review can be used to trigger monitoring events and schedules
- All user activity tracked to individual users
- Immediate management access to the current status of every borrower and note
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