Credit Stress Analytics

Credit Stress Analytics provides a one stop shop for all your commercial portfolio stress testing needs.

Credit Stress Analytics

Credit Stress Analytics: designed by lending professionals and loaded with the functionality they need.

Examiners have increased scrutiny on the impact of credit stress to earnings and capital. But credit stress analysis has evolved to go beyond regulatory compliance: it’s now an integral tool for risk managers to evaluate, anticipate, and take action to mitigate risk.

Credit Stress Analytics by FIMAC gives lenders and risk managers the flexibility to evaluate and test a loan, sector or loans, or an entire portfolio. By allowing users to select the appropriate modules for their loan portfolio – Commercial Real Estate, Commercial and Industrial, or Construction and Development – CSA gives bankers the ability to start small and add on as their portfolios change.

Specifications

Benefits

  • - Concentration analysis features allow you to sort or filter your portfolio by most fields in the model.
  • - Underwriting Stress Calculators to stress test a loan before you approve it.
  • - Play “what-if” with stress variables and rerun as often as you like.
  • - The Trend Analysis function analyzes historical data while the Horizon Forecast function assists in stress testing loans for up to 20 quarters into the future.
  • - Over 50 standard reports in each module, each of which is customizable using our built-in filters
  • - Monte Carlo Simulations
  • - Sector and Trend Analysis