Overview

Inmatrix offers banks the most advanced and powerful suite of commercial banking software solutions that focus on credit risk management, relationship management and credit monitoring. The benefits to your organization include improved credit decision-making, stronger client relationships and greater profitability for both you and your customers.

RESULTS

To help loan officers, credit analysts, credit managers, relationship managers and other commercial team members to:

• Proactively monitor commercial loan portfolios
• Assess the impact of interest rate changes
• Employ covenant tests across your portfolio
• Identify policy breaches and track exceptions
• Create and manage watch lists
• Run ‘ What if? ‘ scenarios — drive risk migration analysis
• Pinpoint sales or marketing opportunities
• Concentration analysis on defined customer segments
• Identify cross sell opportunities
• Produce custom built reporting
• Ability to integrate with core financial systems

BENEFITS

Portfolio Strategist gives your bank the ability to analyze
and monitor the credit risk of your entire portfolio — or one
or more sub-portfolios — while applying stress testing and
scenario modeling techniques to identify deteriorating credit.
It can be used for credit management or data mining
for marketing purposes.

Portfolio Strategist is designed to enhance the quality
of your commercial loan portfolio through:

Scenario Modeling

Financial modeling, data mining, and analytical techniques
are applied to a client’s financial data across portfolio,
credit, relationship, or product management areas.

Identify Portfolio Risk

Portfolio Strategist delivers an advanced risk management
capability that turns static client financial data into an
active portfolio and credit management tool. It can be
applied as part of a robust credit management platform,
used to identify clients outside policy or in breach of credit
covenants, and employed as a credit-monitoring tool.

Data Mining for New Opportunities

Portfolio Strategist applies a “bottom up” technique based
on an individual client’s financial statements (either historic
or projected), enabling shock and scenario modeling.

RESULTS YOU CAN EXPECT TO ACHIEVE

• Improved commercial credit quality
• Increased revenue and profitability
• Enhanced customer satisfaction and retention
• Increased cross-selling opportunities
• Greater consistency in the lending process and improved file quality
• Greater consistency in performance among all commercial credit team members
• Regulatory compliance for Financial Institutions