Problem Loan Monitoring:

DiCom Software Corporation’s credit quality solution – CQS – is a suite of credit risk analysis systems, including a problem loan monitoring program that helps financial institutions to proactively manage the risk within their credit portfolio. DiCom CQS credit risk analysis 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 risk analysis systems 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 in a problem loan monitoring program to ensure an outcome favorable to the institution.

The credit risk analysis systems comprising CQS are:

• DiCom Portfolio Analysis is a credit risk analysis 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. Trend line analysis supports the targeted efforts of loan review resulting in a needs based targeted loan review cycle versus a calendar based loan review schedule. DiCom Portfolio Analysis shares risk pool information with DiCom’s Loan Review System.


• DiCom Loan Review System – LRS – is a loan review 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 within the loan review system. Standard reports and a report-writer support the timely sharing of review information.


• DiCom Portfolio Management is a problem loan monitoring program 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 risk analysis system can support your credit risk management efforts click here.