CreditBASELine Risk Management System

CreditBASELine was developed as a response to a need to communicate commercial credit risk more effectively, to senior management, Board and regulators. It has grown to encompass commercial loan origination, portfolio analytics using Basel II methodologies and business intelligence capabilities.

It is based on leading edge Oracle database and web technologies, enabling required information to be to hand in a secure, user-specific way to the lender on the road or the analyst preparing the board reports - ie suited to the specific role and information requirements of the user.

CreditBASELine is a commercial credit positioning and loan origination system. It 'bolts' on to the existing banking platform of the client financial institution, immediately generating credit positioning information about the quality of commercial/ home and personal lending credit portfolios. Early warning signs to highlight areas of potential risk (using LGD/expected loss risk metrics) by industry, security type and geographic concentration become immediately accessible.


Key functionality includes:


• Commercial credit benchmarking (using links to the separate credit models) - to grade individual counterparties using quantitative and qualitative criteria.

• Storing customer financials and credit gradings and performance for on-going customer and portfolio analysis.

• Integrated Credit Risk Grading System (CRGS)

• Automating the commercial lending process from origination to approval.

• Tracking commercial loan applications, initial application forms being produced by system for completion by loan manager.

• Measuring and stress testing portfolio credit risk.
 
• Identifying opportunities for new lending by prospecting the existing client base.

• Enhancing portfolio analytic capability, using Business Intelligence tools, to better understand credit risk, provisioning and capital adequacy  lending portfolios.