CreditMatrix risk management workbench is an electronic office for the risk manager.
Over 90% of the risk managers’ otherwise disparate activities (some extensively manual)
can be done in the workbench.
The workbench also presents a dashboard that reports dynamic
metrics of key credit risk management indicators.
»How do I do my work with the workbench?
The Credit Risk Management Indicators Dashboard
The dashboard dynamically computes and reports a number of key metrics that
provide invaluable insight into the credit quality of a customer credit facility.
Probability of Default by Customer
An estimate of the probability of a customer defaulting on its credit facility
within the next 24 months.
Key Financial Performance Indicators
A summary of financial performance indicators based on the latest financial
statements of the customer. Financial Performance Indicators include debt/equity ratio,
current ratio, tangible net worth, operating cash flows, etc, at a glance.
Risk Status
Risk Status is a CZ proprietary measure of the operating credit risk of a
customer account. Accounts risk status are estimated and set dynamically to
reflect the operating credit risk condition of a customer account. The risk
manager can assign special risk status like collection, disputed-accounts,
chapter-11, etc, to an account.
Related Companies and Group Exposures
Indicates the companies related to a customer account and the type of
relationship and most importantly total credit exposure to the related
companies and to the group.
Net Exposure & Asset Value Analysis
Presents the net effect of bad debt provisions and unexpired market
values of collaterals on the total credit exposure on a customer account.
Accounts Next Review Tickler
Provides a dynamic update of when an account is due for review.
Portfolio House Keeping Metrics:
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Request Pending Credit Approval – Provides a dynamic update on the number of customer
credit requests pending approval analyzed by portfolio.
-
Open Credit Issues – Provides a dynamic update of the number of open issues
on customer accounts analyzed by portfolio.
-
Critical Accounts – This a CZ proprietary measure of accounts considered critical.
The number of critical accounts is analyzed by portfolio.
»How do I do my work with the workbench?