Download Simplify and Streamline Financial Analysis and Risk Rating

Provenir for Financial Analysis and Risk Rating
Simplify and Streamline
Financial Analysis and Risk
Rating
Corporate, commercial and small-to-medium (SME) lending demands extensive
financial analysis and risk rating to determine the credit-worthiness of any
organization. Lending institutions are bogged down with manual processes for
capturing and analyzing essential data to determine accurate ratings.
With Provenir, you can take the manual effort out of financial analysis and risk rating.
Provenir offers a unified, flexible solution, automatically aggregating data from
disparate and unstructured sources, standardizing it into a common financial model
and applying the appropriate ratings model to determine quantitative risk ratings. In
addition, Provenir enables rule-based qualitative analysis specific to industries and
segments for in-depth analysis before determining overall ratings.
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Cut time and costs for data enrichment with pre-built adaptors that automatically
consolidate comprehensive financial and company information, including entity
relationships and group structures, from any enterprise and third-party data sources.
Simplify and streamline risk rating across multiple statement formats, countries and
currencies with automated normalization and business-defined financial statement
templates.
Improve consistency and compliance while reducing risk with scorecards and risk
models operationalized in automated risk rating processes. Provenir is modelagnostic so that you can use any third-party model or scorecard developed in
industry-standard tools such SAS, R and Excel.
Enhance business agility using configuration tools that allow you to quickly create,
test and deploy streamlined risk rating strategies.
Accelerate deployment with Provenir CloudFirst which offers a highly secure cloud
computing environment with flexible options for domain setup, managed services,
deployments and scalability.
Provenir delivers a complete solution for managing financial analysis and risk ratings for
all types of commercial, corporate and SME loans.
• Display and access relevant customer
information in one location
• Upload and reclassify financial
statements and maintain financial
templates
Fraud
Checks
Bureau
Financial
Spreading
and Analysis
•Detailed Quantitative Analysis
Application/
Behavioral
ScorecardsFAR
•Integrate into the loan origination Reporting and
Reporting and
Reports
Integration
workflow to complete the end to
end process
intoIntegration
Credit
•Generate business specific reports
into Credit
Workflow
in various formats as part of the
Workflow
FAR process
including Simulation
Qualitative
•Comprehensive qualitative and
and
peer Analysis based on industry
Quantitative
Analysis Decision
Strategies
Models
RiskRisk
Models
Risk Models &
Maintenance
Maintenance
Rating
& Rating
•Generate and edit risk rating
based on risk models configured
and maintained
•Review historical information
related to ratings
Provenir for Financial Analysis and Risk Rating
Streamline Data Capture and
Normalization
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Pre-built integration adaptors
aggregate company, financial and
relationship data maintained in
enterprise and third-party systems,
creating a central hub to view and
manage relevant information.
Support for multiple data capture
options provides flexibility including
manual data entry, document
scanning and automatic uploading
from multiple systems.
Business-defined templates for financial
statements, such as income
statements, cash flows and balance
sheets across industries, geographies
and languages offer a quick way to
capture and validate data.
Automated application of businessdefined rules standardize the
presentation of financial statements
captured in multiple formats,
languages, currencies, etc.
A complete audit trail, including
change tracking and version control,
ensures the most recent financial
statements are used in risk analysis.
Robust native reporting simplifies
reviewing historical financial data.
Data can be sent to external data
warehouses and reporting systems.
Operationalize Your Risk Analytics
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Model-agnostic integration allows
scorecards and risk models developed
in SAS, R and Excel or exported using
PMML or MathML to be operationalized
in automated risk rating.
Easy-to-use wizards import a model,
map and validate data in minutes and
without any coding.
Support for configuring scorecards
directly within Provenir or importing
third-party scorecards provides
implementation flexibility.
Contact us at:
[email protected]
@ProvenirGlobal
Provenir Ltd.
Improve Risk Rating Efficiency and
Effectiveness
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Rules-driven decisioning applies risk
models and scorecards to aggregated
financial data to automatically
determine a quantitative rating.
Dynamically generated questions
based on such factors as financial
data, industry and region simplify
development of qualitative ratings by
guiding users through the process.
Business rules can be used to combine
quantitative and qualitative scores into
an overall risk rating.
Business-friendly user interface makes it
easy to manage risk rating on an ongoing basis, such as viewing previous
or historical ratings, modifying ratings,
re-rating and transferring risk between
related entities.
Automated portfolio monitoring can
continually assess performance for any
aspect of a loan portfolio with early
warning indicators identifying potential
problems.
Spreading capabilities use existing
financial data to simulate potential
future scenarios for a specified period
of time.
Increase Business Agility
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A visual configuration environment
provides graphical tools and wizards to
quickly implement streamlined
financial analysis and risk rating
processes.
Flexible configuration tools facilitate
quick integration with multiple data
sources including enterprise and thirdparty systems, websites and social
media.
Configurable adaptors support quick
integration to core banking systems to
complete the loan origination lifecycle.