Request a MeetingAdvanced Credit Risk and Financial Analytics tools to prevent losses and balance business growth and credit risk.
Overview
In today’s competitive environment, financial institutions in the business of lending to large corporate as well as small and medium scale enterprises need to continually balance credit growth and risk management. Improved risk analysis leading to appropriate pricing of each credit exposure is a key requirement.
Kastle® CRx is a comprehensive financial analysis and risk rating tool that allows financial institutions to accurately assess and monitor a borrower’s credit worthiness. Its configurable framework captures, analyzes, projects and models financial and non-financial details of a borrowers allowing for speed and consistency of analysis across the organization bringing tremendous business benefits.
Over 100 Customers Worldwide
100+ Kastle® Universal Lending System
Modules
History & Projections
Risk Rating
- Historical Financials
- Complete flexibility in defining multiple templates (e.g. Manufacturing, Financials)
- Defining multiple line items with ability to have unlimited drill down
- Deriving cash flows and ratios based on balance sheet, income statement
- Define covenants whose breach needs to be monitored
- Captures comments against each line item
- Reconcile data entry.
- Complete flexibility in defining multiple templates (e.g. Manufacturing, Financials)
- Projections
- Project data using any four methods
- Absolute Number
- Percentage growth over previous period
- Percentage of another line item
- Formula
- System auto reconciles assets and liabilities
- Projections can be using past trends
- Project data using any four methods
- Reports
- Generate standard reports
- Create custom reports
- Define multiple models and scorecards for obligor rating
- Define multiple models and scorecards for facility rating
- Ability to capture facility, collateral and guarantee details
- Subjective and financial parameters with scores and weightages
- Define inflators/ deflators for changing score/ rating based on conditions
- Rate industry/ country if required
- Rate obligor / facilities using desired model
- View various risk reports to analyze credit worthiness
- Keep detailed history of changes in risk models over time
- Web based comprehensive financial analysis and risk rating tool
- Configurable framework captures, analyzes, projects and models financial details
- Security features including access control, audit trail, maker-checker
- Easy to interface with external systems
- Leverage browser technology for quickly creating access to RMs
- Implement consistent financial statement templates
- Implement transparent risk model framework
- Credit decision and monitoring
