Welcome to Credit BASELine...do you want to:

• Build or expand your commercial lending base?
• Use Basel II as an opportunity to improve your market standing?
• Data mine your lending porfolios for new lending opportunities?
• Control and streamline your commercial lending loan origination and approval process?
• Store and analyse customer financials and serviceability information?
• Link to external credit risk agencies for client benchmark and behavioural information?
• Introduce a Credit Risk Grading System (CRGS) tailored to your commercial lending business?
• Establish loan application templates populated by system for loan manager completion?
• Improve your lending portfolio credit analysis using Loss Given Default and Expected Loss concepts together with scenario and stress testing techniques?
• Improve credit risk reporting functionality using Business Intelligence tools.
• Track credit migration – is your credit quality trending the right way?
• Improve ability to identify and track securitised and syndicated loans?
• Reduce costs and leverage your lending processes?

Credit BASELine enables you to:
• Benchmark and price new commercial loans in real time – linked to a global rating agency;
• Track relative credit quality across the industry divisions, branches, or clients you lend to;
• Monitor credit quality in your lending decisions – measure, monitor and manage;
• Report on exceptions to monitor non standard pricing and deterioration in credit quality;
• Provide open system accessibility to your banking platform data– with your own Oracle Database;
• Align your credit management processes to Basel II regulatory guidelines;
• Track your credit quality profile by dimension, industry, product, geography etc

Integrated window on commercial credit includes:
• Oracle 10g Database – low entry cost but fully scalable;
• Web based front end;
• Integrated use of external credit rating agency benchmarks (eg KMV Moody's);
• Business Intelligence tools to leverage analysis and reporting;
• Policy, consulting and advisory support.

Credit BASELine is a commercial loan origination and risk management system, that 'bolts onto' your existing banking platform. Each financial institution has access to standardised tools, policy framework and reporting systems.

For  a module by module guide to Credit BASELine go here!
For more BI information, go here!