DiCom LRS Enterprise
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DiCom LRS Enterprise is a comprehensive
credit review solution enabling analysts to conduct higher
quality reviews of their institution’s commercial credit
portfolio.
The loan accounting data is integrated into DiCom LRS Enterprise
to enable a seamless interface. Features
such as Automated Scoping
substantially reduce the amount of time required to scope
a new review. Electronic Line
Sheets provide ease-of-use for capturing and editing data
for all facets of the review. Utilizing the Remote
Database Synchronization feature, the review can be managed
while out in the field by consolidating data for up-to-date
review results throughout all stages of the review process.
The Full Reporting Capability
of LRS Enterprise includes standard reports as well as a built-in
report writer. Once the review is completed, the review data
can be archived for future use through the Archive
and Merge features. Also included in the Enterprise version
is a full range of user-defined
preferences that enable each institution to customize
their system to meet the specific needs and the business conditions
unique to their market.
Interface
• Each DiCom LRS Enterprise installation has a seamless
integration to the loan accounting data repository. Database
extracts are date-stamped and stored in the repository, allowing
for trend analysis.
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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 you the ability to make 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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Archive & Merge
• Upon completion of the review, the review data can
be archived for future use. As future reviews are performed,
applicable data, such as subjective comments, financials or
exceptions can be merged from the archive file to the new
review to include the historical data, enabling the analyst
to essentially begin the new review where the previous review
ended.
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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 users’ available
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, as well as facility/obligor matrices.
• 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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National
& Regional Bank Solution
