PortfolioView

PortfolioView™

Using information embedded in a bank's loan portfolio, archived in the RiskWarehouse, the PortfolioView system is designed to accurately forecast developing losses and simultaneously measure the volatility of these losses.

Accurately estimating expected losses inherent in a bank loan portfolio and appropriately provisioning for these losses in the form of the Allowance for Loan & Lease Losses (ALLL) is an imperative for reliable financial reporting. This provides transparency to auditors, regulators and investors.

The volatility in losses as measured by unexpected losses provides an accurate basis for allocating risk capital, a cushion against extreme loss.

With accurate projections of potential losses and associated volatility available for any segment of the portfolio, institutions can optimally manage each sector within the corporate perspective. With the ability to stress test individual segments, firms can strategically isolate, control and mitigate losses while keeping regulators promptly apprised and investors confident.

PortfolioView is the only system that coherently addresses the issue of monitoring and managing the core lending risk of both commercial and retail sectors using the same analytical process.

PortfolioView is useful in managing portfolios of:

bank and non-bank lenders
credit card issuers
residential mortgage lenders
auto finance companies
captive finance companies
trade receivables of non-financial firms
private placement portfolios of pension funds or insurance companies.