The smarter way to
manage credit risk
Portfolio Watch monitors portfolios of any size- giving a $50 million portfolio the same level of attention as a $2 billion portfolio.
Pricing is based on portfolio size and loan type, with C&I loans assessed at a slightly higher rate than commercial real estate due to differing credit risk. With Portfolio Watch, the tool can be “right-sized” to fit your unique needs.
Core Features
- Collects borrowers’ financial statements automatically
- Sends reminders and follows up to ensure timely submissions
- Reads financial statements and updates historic spreadsheet
- Analyzes financial spreadsheet and identifies trends
- Flags potential risks or emerging weaknesses in borrower performance
- Alerts lenders when action is required
- Ensures proactive borrower engagement before problems escalate
- Color-coded dashboard showing portfolio reporting status and risk levels
- Drill-down capability for flagged borrowers
- Allows lenders to see individual loan risk and trends at a glance
- Comment section for lenders to document follow-ups and notes on borrower weaknesses
- Management roll-up reporting to ensure timely action
- Annual review memos generated for lender review and approval
- Generates annual reports for regulatory purposes
- Provides oversight confirmation for management
- Dashboard visuals for real-time monitoring
- Bar charts or stats showing portfolio health and impact
- Reduces loan losses by 10–20%
- Potentially lowers required capital by up to 10%
- Integrated CECL modeling to assist with the new regulatory calculation
- Frees lenders to focus on new loans by automating portfolio monitoring
- Supports consistent, proactive borrower management
Core Features
Automated Data Collection
- Collects borrowers’ financial statements automatically
- Sends reminders and follows up to ensure timely submissions
Financial Trend Analysis
- Reads financial statements and updates historic spreadsheet
- Analyzes financial spreadsheet and identifies trends
- Flags potential risks or emerging weaknesses in borrower performance
Risk Alert & Notifications
- Alerts lenders when action is required
- Ensures proactive borrower engagement before problems escalate
Dashboard & Portfolio Oversite
- Color-coded dashboard showing portfolio reporting status and risk levels
- Drill-down capability for flagged borrowers
- Allows lenders to see individual loan risk and trends at a glance
Documentation & Follow-up
- Comment section for lenders to document follow-ups and notes on borrower weaknesses
- Management roll-up reporting to ensure timely action
- Annual review memos generated for lender review and approval
Reporting & Compliance Support
- Generates annual reports for regulatory purposes
- Provides oversight confirmation for management
Visual Insights & Analytics
- Dashboard visuals for real-time monitoring
- Bar charts or stats showing portfolio health and impact
Early Warning System (EWS) Impact
- Reduces loan losses by 10–20%
- Potentially lowers required capital by up to 10%
Current Expected Credit Losses Calculation
- Integrated CECL modeling to assist with the new regulatory calculation
Easy integration & Automation
- Frees lenders to focus on new loans by automating portfolio monitoring
- Supports consistent, proactive borrower management
