DiCom LRS Enterprise Features

DiCom LRS Enterprise is a comprehensive credit review solution enabling analysts to conduct higher quality reviews of their institution’s 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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