Portfolio Management Suite
Credit Migration
An early warning system for problematic loans so you can take action and minimize losses. Falling credit scores are the earliest and most valid indicators of probable loss
- Our credit migration report, coupled with the Improving/Deteriorating loan tool, helps you identify problem loans early so you can take immediate action and reduce losses by as much as half.
A robust marketing system to highlight members with improving credit scores to fuel loan growth
- Members with improving credit scores are a target for your competition. Discover who these members are and take action to increase their use of your services before any of your competitors can steal them away.
CECL Solutions
Two compliant, validated CECL tools that help credit unions simplify calculations, control provision expense, and reduce the cost of CECL management.
CECL Migration Report
The CECL Migration Report uses a proven, data-driven approach to measure risk movement within your portfolio. It helps you identify changes early and calculate expected credit losses with confidence.
Uses the WARM (Weighted Average Remaining Maturity) methodology
Identifies improving and deteriorating loans early
Tracks credit score migration and portfolio trends
Supports more accurate, defensible CECL calculations
Simple CECL Report
The Simple CECL Report provides a straightforward way to meet CECL requirements without unnecessary complexity. It's designed for credit unions that want a practical, efficient solution.
Simple, easy-to-use CECL calculation framework
Helps document assumptions and methodology
Supports regulatory compliance
Reduces time and cost of CECL management
Delinquency Tracking
A modern Delinquency Management System that increases collection effectiveness.
- Not all delinquencies are created equal. This system identifies and categorizes past due loans into four distinct groups and provides guidance on how to strengthen your relationship with members and turn delinquent loans into performing loans.
