Financial Analyzer

Financial Analyzer is a next-generation financial management and analysis solution that enables financial institutions to manage credit risk efficiently and effectively. Financial Analyzer helps rate commercial customers by leveraging the information contained in their financial statements.

Financial statement analysis is one of the key processes in commercial lending. Use Financial Analyzer to:

• Gain Efficiencies
  Quickly capture financial statements, automatically calculate financial ratios and generate instant reports. Centrally manage customer financial data and statements, thereby improving risk rating capability and cutting operational costs associated with managing the data. Enter customer-specific financial covenants within Financial Analyzer to simplify tracking and improve follow-up.
  
  
• Access Powerful Analysis Tools
  Evaluate a company relative to its industry peers or Risk Management Association data. Define complex financial ratios (for example, a Z-score), using the customizable financial ratio editor. Define financial statement templates for any industry.
  
  
• Communicate Your Findings
  Produce customized summary or detailed reports of the analysis containing statements, comparisons, flexible graphs and user comments, all available via Web access, subject to security restrictions.

Overview of CreditQuest Financial Analyzer

Detail

Two key functional areas of CreditQuest^®, Financial Analyzer and Project Analyzer™, help financial institutions control credit risk through analysis of both financial statements and projected financials for a borrower or specific commercial project. The data collected in CreditQuest can be used to develop a baseline for calculating Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD)–all elements of an Expected Loss (EL) calculations. These calculations can in turn be used to strengthen the institution’s overall risk rating model.