What are your risk management challenges today? Are you focused on increasing the visibility of risk migration in your portfolio? On increasing the frequency and credibility of risk assessments? On making these risk assessments more cost effective?

As good as your current practices may be, they can be improved by adding a global view that will further refine the focus and effectiveness of your risk management system. Portfolio Risk Manager provides early warnings of customers experiencing cash flow problems or those with troubled term debt with other lenders. It also provides objective analysis of changing borrower habits and risk migration.

Details

Industry Leading Innovation

Portfolio Risk Manager is a monthly dataset providing PayNet's early detection and risk ranking on each of your commercial customers. The data is designed to improve your account management and default mitigation results by providing critical information on your customers from PayNet's proprietary database.

Each month's dataset includes information about every customer in your portfolio. This information includes PayNet's current and historic PayNet MasterScore® for each customer and their performance with other lenders. The dataset has applications for many user groups including portfolio managers and credit administrators as well as the collections, special assets and litigation teams.

Key Benefits

Key Benefits with Portfolio Risk Manager Include:

PayNet's Portfolio Risk Manager enhances small business risk management systems. Benefits of Portfolio Risk Manager include:
  • Rank orders borrowers across a range of risk factors such as risk-rating, changes in risk score, change in risk profile, payment status for other lenders, etc.
  • Provides both a historical bad rating and the original PayNet MasterScore® for each loan or lease.
  • Analyzes lender's portfolio every 30 days to continually generate a relative ranking of the current status of each account.
  • Provides quantified and objective metrics for your portfolio risk managers.

Solutions

Portfolio Risk Manager Solutions

The best way to expand the horizon of your early detection practices is through the addition of external data. Portfolio Risk Manager will not only help you identify changing risk sooner, it will also add focus to your existing early detection practice.

The Challenge

Our Solution
  • Identifying customer deterioration before your account is delinquent
  • Use your customer's performance with other lenders to highlight cash flow problems
  • Providing account managers actionable information before targeted customer contact
  • Alert account managers to changing risk profiles every month
  • Gaining better focus on the accounts that need immediate attention
  • Identify the most severe deterioration and accelerate review of availability and exposure
  • Develop a more comprehensive view of portfolio performance
  • Identify changing delinquency levels based on your customer's overall performance