THE PLATFORM
Eight modules. One
portfolio view.
Real-time monitoring, risk analytics, and operational workflows — all powered by the same standardized model architecture underneath. Every module updates automatically when models are rolled forward.
8
Integrated monitoring and analytics modules
100%
Auto-updated on every model roll-forward
Excel
Native — no new software to install
Every module is powered by the same underlying model — not separate tools stitched together.
THE PLATFORM
Early warning. Portfolio-wide
The four core monitoring modules give you systematic, real-time visibility into covenant compliance, credit deterioration, regulatory classification, and debt repayment capacity — across every credit in the portfolio, automatically updated every cycle.
01
Covenant Monitoring
Real-time covenant compliance tracking across every credit in the portfolio. Cushion percentages, step-down schedules, projected compliance under base and downside cases — all calculated automatically from the underlying model.
→ Cushion tracking with QoQ change flags across all covenants
→ Step-down schedules and next test dates auto-populated
→ Projected compliance — base and downside — next 2 quarters
Real-Time Covenant Surveillance
→ Step-down schedules and next test dates auto-populated
02
Credit Watchlist
Systematic watchlist management with directional change tracking, entry and exit event logging, and portfolio-level exposure summaries. Replaces manual tracking with a structured, auditable workflow.
→ Directional change flags — upgrade, downgrade, no change
→ Entry and exit event tracking with spill tables
→ Portfolio exposure summary by WL status
→ Fully auditable — defensible to loan review and examiners
Credit Watchlist Dashboard
03
Non-Pass Portfolio
Criticized asset tracking and regulatory rating migration dashboard. SM, SS, Doubtful, and Loss classifications tracked systematically — with migration history, exposure summaries, and portfolio-level regulatory reporting.
→ SM / SS / Doubtful / Loss classification tracking
→ Regulatory rating migration history and trends
→ Criticized asset dashboard with exposure by classification
Non-Pass Portfolio Dashboard
→ Structured for regulatory examination and loan review
04
Debt Repayment Capacity
Systematic DRC tracking versus original underwriting projections. Material deterioration flags, stale projection detection, and portfolio-level DRC comparison — giving you an early warning signal before covenant breaches surface.
→ DRC vs. original underwriting — tracked every period
→ Material deterioration flags with exposure weighting
→ Stale projection detection — flags credits needing re-underwriting
Debt Repayment Capacity Dashboard
→ Portfolio-level DRC summary for credit committee reporting
ANALYTICS
Portfolio composition at a glance.
Understand how your portfolio is positioned by risk rating — and how it's moving over time. Upgrade and downgrade migration, historical comparison, and distribution by bucket.
05
Risk Profile Distribution
Portfolio-wide risk rating distribution with upgrade and downgrade migration tracking, historical comparison, and exposure-weighted breakdowns by rating bucket. A single view of how your portfolio's risk profile is changing over time.
→ Rating distribution by bucket — current and historical
→ Upgrade and downgrade migration event tracking
→ Exposure-weighted risk concentration analysis
Risk Profile Distribution
→ Period-over-period comparison for credit committee reporting
OPERATIONS
Review cycles. Never missed.
The three operational modules keep your team on schedule — quarterly and annual reviews tracked by analyst and officer, financial reporting obligations monitored against deadlines, and past-due flags surfaced automatically.
06
Quarterly Review Timeline
Portfolio-wide quarterly review cycle management. Completion status tracked by analyst and officer, past-due credits flagged automatically, and cycle progress visible at the portfolio level.
→ Cycle completion tracking by analyst and officer
→ Past-due flags with days overdue calculation
→ Portfolio-level cycle progress summary
Quarterly Review Tracking
→ Filter by team, region, or review status
07
Annual Review Timeline
Portfolio-wide annual review scheduling with days-until-due tracking, monthly distribution visibility, and upcoming review concentration analysis. Never miss a regulatory deadline.
→ Days-until-due tracking across all credits
→ Monthly review distribution and concentration view
→ Upcoming deadline flags by analyst and officer
Annual Review Timeline
→ Structured for regulatory examination documentation
08
Financial Reporting Calendar
Financial statement delivery obligation tracking across the portfolio. Reporting requirement days, sponsor and agent obligations, and past-due financial packages flagged automatically.
→ Statement delivery obligations by credit and period
→ Reporting requirement days tracked and flagged
→ Sponsor and agent obligation management
Financial Reporting Calendar
→ Filter by industry or analyst to prep for upcoming reviews