CRI - Acquired Advantages

Credit Risk Intelligence (CRI) is a business intelligence solution that comprehensively and dynamically addresses optimization in institutions’ credit portfolio management.

Obtained benefits can be divided into two activity fields in financial institution:

Historical and centralized database.
Flexibility to view the information through analytical and management reports.
Audit of information.
Information security through access controls.
Fully developed and documented solution by optimizing the implantation time.
Modular availability as customer’s real needs.

Spread analysis by risk level.
View of managing PDD in comparison to regulatory PDD, permitting stress simulations to impact analysis.
Measurement of actual losses compared to expected losses.
Calculations of metrics management (PD, LGD, EAD, and M).
Calculation of financial institution’s credit risk portion (PRE, PEPR), and through the consolidation of remaining portions institution generates allows the generation of Documents 2041 and 2051 (Cadoc’s).
Calculation of RAROC and EVA management metrics of credit risk.
Analysis of migration matrices using seasonality x observance concept.
Control of default and payment control.
Effective contract guarantees.