{"id":105895,"date":"2023-09-22T10:30:28","date_gmt":"2023-09-22T07:30:28","guid":{"rendered":"https:\/\/icapcrif.com\/?page_id=105895"},"modified":"2024-07-04T14:47:00","modified_gmt":"2024-07-04T11:47:00","slug":"cra-risk-profiler","status":"publish","type":"page","link":"https:\/\/icapcrif.com\/en\/cra-risk-profiler\/","title":{"rendered":"Risk.Profiler \u2013 Risk Solution for Banks"},"content":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221;][vc_column][vc_single_image image=&#8221;127563&#8243; img_size=&#8221;medium&#8221; qode_css_animation=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221;][vc_column][vc_column_text][\/vc_column_text][vc_separator type=&#8221;small&#8221; position=&#8221;center&#8221; color=&#8221;#e46302&#8243; thickness=&#8221;4&#8243; width=&#8221;48&#8243; up=&#8221;14&#8243; down=&#8221;22&#8243;][vc_column_text]<strong>Risk.Profiler<\/strong> is a next generation risk assessment platform that ranks Bank clients according to their Credit Risk Profile (Scoring &amp; Ratings), increases user effectiveness and efficiency by supporting day-to-day operations, monitors client performance, and generates automated reports for the monitoring of the credit portfolio.<\/p>\n<p>&nbsp;<\/p>\n<p>Main Features:<\/p>\n<ul>\n<li><strong>Interface\u00a0<\/strong>with an internal database;<\/li>\n<li><strong>Entry of quantitative &amp; qualitative<\/strong>\u00a0customer evaluation data;<\/li>\n<li><strong>Credit model implementation\u00a0<\/strong>and ranking of clients by Credit Rating \u2013 Scores;<\/li>\n<li><strong>Activation<\/strong>\u00a0<strong>of credit<\/strong><strong>\u00a0model implementation\u00a0<\/strong>with predefined trigger events or by user selection;<\/li>\n<li>Maintenance of a<strong>\u00a0database<\/strong>\u00a0with historical data (data will be used for modeling in the future);<\/li>\n<li><strong>Reporting;<\/strong><\/li>\n<li><strong>Link\u00a0<\/strong>to external workflow execution applications e.g. LOS, Collections.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>It has specific functionalities that meet specific needs of Banks:<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Early Warning Signals Module <\/strong>with the following main features:<\/p>\n<ul>\n<li>Compile alerts from internal sources and from the ICAP CRIF database;<\/li>\n<li>Evaluate alerts in terms of importance;<\/li>\n<li>Classify debtors into Risk Categories;<\/li>\n<li>Create a list of actions, for each Risk Category;<\/li>\n<li>Central Control &#8211; Display of alerts;<\/li>\n<li>Export lists &amp; enable emails;<\/li>\n<li>Update the Reviews workflow;<\/li>\n<li>Link to external workflow applications.<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>IFRS9 Module <\/strong>with the following main features:<\/p>\n<ul>\n<li>Models and automated process, in accordance with the accounting standard\u2019s requirements;<\/li>\n<li>Use of the one-yr PD from the Ratings Module for ensuring consistency in the Credit process and IFRS;<\/li>\n<li>Loan\/Exposure assessment across the Retail &amp; Corporate Banking spectrum;<\/li>\n<li>Auto-feed data through the interface with the Bank&#8217;s database;<\/li>\n<li>One-year, Lifetime PD calculation models at Exposure level;<\/li>\n<li>Ranking by stages and rules-based ranking changes;<\/li>\n<li>Macroeconomic scenario functionality;<\/li>\n<li>Exposure at Default (EAD), Loss Given Default (LGD), Expected Loss (EL) calculations;<\/li>\n<li>Report generation with final forecasts, to feed into the accounting process.<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>NPE Management Module <\/strong>where:<\/p>\n<ul>\n<li>Appropriate algorithms and quantitative and qualitative criteria are used to measure a company\u2019s viability;<\/li>\n<li>The Borrower\u2019s Debt Service Capacity is calculated, whether a business, a natural person or a freelancer, and the Feasible Amount for servicing the loan is determined;<\/li>\n<li>Portfolio analysis is carried out both at the level of individual loans and at the level of all the loans of a specific borrower.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;1&#8243;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_empty_space height=&#8221;232px&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221;][vc_column][vc_single_image image=&#8221;127563&#8243; img_size=&#8221;medium&#8221; qode_css_animation=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; z_index=&#8221;&#8221;][vc_column][vc_column_text][\/vc_column_text][vc_separator type=&#8221;small&#8221; position=&#8221;center&#8221; color=&#8221;#e46302&#8243; thickness=&#8221;4&#8243; width=&#8221;48&#8243; up=&#8221;14&#8243; down=&#8221;22&#8243;][vc_column_text]Risk.Profiler is a&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full_width.php","meta":{"footnotes":""},"class_list":["post-105895","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risk.Profiler \u2013 Risk Solution for Banks - ICAP CRIF<\/title>\n<meta name=\"description\" content=\"ICAP CRIF is 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