Credit Concentration Risk Monitoring demo
Loans to non-bank lenders, industries and trade-exposed borrowers, live against limits, without the quarterly spreadsheet. 1:15
What the demo shows
A risk solution for risk officers that tracks industry and lender exposure against limits.
Every board limit on one live treemap: as each loan funds, agents post it to every limit it touches, re-test each one within seconds, open a breach case with the ways back, and classify non-bank lenders from their own documents. The risk director proposes; the CRO approves.
Transcript
- Credit Concentration Risk Monitoring tests every board limit of a bank as each loan funds.
- Today limits are checked quarterly, so a breach is found months later.
- Each tile is a board limit filled by what is lent.
- Trucking is amber at 96%.
- At 1014, Redfield Freight Line's $12 million loan funds.
- The tile rises past its border and turns red for .2 million over.
- In seconds, agents confirm the industry, retest 31 limits, and model three ways back.
- For loans, each final loan, push trucking past 10% of capital.
- Rachel proposes a $15 million participation sale.
- The risk chief approves.
- Limits checked daily, not weeks after the quarter closes.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.