Handling credit risks properly is central to the Italian bank management system, also due to the prolonged negative economic situation. Credit monitoring (briefly called “ESC”) is a web application for managing and keeping track of credit positions.
All the information and data related to each event are stored in a single platform along with the proposals made following the granting of credit. All this comes with over 300 indicators linked to client registries, performance indicators, CAI, CR, CERVED, etc
The platform enables to keep track of the status of deteriorated positions and allows the bank’s internal law office to refer the same to an external law office.
This consists of a platform that supports banks throughout the credit granting process to prevent the deterioration of credit positions while providing risk mitigation tools.
It allows for an analytical credit assessment to determine – according to corporate policies – the allocation of credit in financial statements by way of write-downs and discounting.
Monitoraggio Crediti has the aim of creating a management, process and reporting framework so as to enable all the bank’s organizational units engaged in credit management to constantly monitor all positions that have credit exposure, and also implement ad hoc interventions for monitoring such process.
In particular, the application’s operational and authorizational work-flow allows the bank to change the status-sub status of a position or relationship by tracing the various steps.
PERSONALIZED HOME PAGE
for the supervisor and the operators in charge of the monitoring activities
IDENTIFICATION AND CLASSIFICATION
The system foresees the dynamic profiling of risky customers.
Availability of control dashboards and thematic tabs.
APPROVAL AND DECISION-MAKING
The status or sub-status of a position/report can be modified through a computerized system.
COMPUTERIZED CREDIT DEVALUTATION AND DISCOUNTING PROCESS
Single Sign On method with captcha technology.
CUSTOMIZED DATA RETRIEVAL
filtering by status, sub-state, ratio, indicator, proposal, etc.
Reporting process management
Monitoraggio Crediti helps improve the effectiveness and efficiency of performance controls over each credit exposure, with particular focus towards deteriorated credit positions. This facilitates the implementation of timely, targeted actions aimed at monitoring the process on an ongoing basis and defines the amounts to be allocated.
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