CREDIT PORTFOLIO MANAGEMENT AND ANALYSIS SOFTWARE

ProRisk provides credit professionals with metrics covering credit risk,

PRORISK profitability and level of banking activity from the portfolio level down to
the single customer. By leveraging all of the available data, ProRisk
highlights changes in real-time to facilitate a timely response.

MONITOR CUSTOMER RISK RATINGS AND LEVELS OF CONCENTRATION.

By aggregating customer risk ratings, exposures and loss data, ProRisk facilitates continuous monitoring
of concentration levels by size, industry segment and geography.

TRACK CUSTOMER BANKING ACTIVITY LEVELS AND PROFITABILITY.

View historical banking activity levels by customers, relationship managers, branches etc. Highlight irregular
trends or sub-par performance levels and drill down to uncover the causes.

COMMUNICATE ANALYSES QUICKLY AND EFFECTIVELY.

Detailed and summary reports are created in real-time and can include graphs and analyst comments.
Reports are easily created and shared.
Set the analysis layout

INTUITIVE USER INTERFACE TO SUPPORT A FAST LEARNING CURVE.

Business intelligence applications can be difficult to master. Designed specifically for credit professionals,
ProRisk overcomes complexity by supporting a wide range of credit-based analytics with minimal setup
effort.

EXTENSIVE SCOPING AND ORDERING CAPABILITIES.

Customer data can be sliced and diced using multiple criteria. New customized metrics can be added
easily to enhance the analysis.

FAST RESPONSE TIMES.

Using advanced data aggregation techniques such as OLAP and other optimization methods, ProRisk
achieves super fast response times to provide answers in seconds.
Portfolio analysis and drill-down

FAST INTEGRATION WITH EXISTING BANK SYSTEMS.

ProRisk includes all the necessary tools to integrate with other databases including a meta-data repository
and data validation and loading modules.

sales@peldec.com www.peldec.com
ADVANTAGES FEATURES
• A business intelligence system geared to the requirements of relationship • Straightforward definition of the group of accounts or customers to be analyzed.
managers, credit analysts and credit risk officers. Portfolio definitions are saved for future re-use.
• Banks reap the benefits of a comprehensive business intelligence system • A flexible equation editor provides extensive data calculations, e.g. totals,
with a minimal reliance on IT support. profitability ratios, statistical and trend functions.
• An intuitive user-interface enables credit professionals to create analytic • Analysis results are presented in a clear and actionable format.
reports within minutes. • Extensive drill-down capabilities – analysis results can be reviewed at any
• Automatic alerts can be triggered due to changes in the underlying data. level of detail, ranging from a top-level view of the entire bank right down to
• No database-related expertise is needed. a view of individual accounts.

• Business intelligence findings and reports can be shared easily with co-
workers.
• High performance solution - analyzing hundreds of thousands of accounts
spanning many months takes only seconds.
• Security and authorization mechanisms verify data confidentiality.
• Flexible time scale reporting, supports efficient trend analysis.
• Sorting and filtering by any parameter, focuses the analysis on the most
significant regions, segments, branches or accounts.
• Comments can be added to findings and shared between users.
• Export of data and reports in HTML format or directly to Microsoft Excel.
Optional integration with ProFin, allows integration of data from financial
statements with the bank's internal data.

1 2 3 4
RATE, PRICE CREDIT, FOLLOW UP &
REVIEW CUSTOMER’S REVIEW CUSTOMER’S RECOMMEND, MANAGE CUSTOMER
BANKING ACTIVITY BUSINESS ACTIVITY APPROVE RELATIONSHIP

PROFILE End-to-end Commercial Credit Management

PROFIN Financial Statements Management & Analysis

Project Financing
PROPLAN Analysis

PRORISK • Customer & product

profitability
• Real-time risk rating
model using
• PD - Probability of Default
• EAD - Exposure At Default
• Expected/unexpected
losses
Portfolio Credit Risk • Concentration by size, quantitative & • LGD - Loss Given Default • Economic capital
sector & region qualitative inputs requirements
Management
MANAGE
PORTFOLIO
CREDIT RISK 5
Core Financial Credit Mail Server
Banking Statements Bureau
ProRisk is part of Peldec System
Decision Systems' portfolio
of end-to-end commercial
Data Business Plans Bank’s Documents
credit management solutions Warehouse & Forecasts Procedures

SYSTEM REQUIREMENTS ABOUT PELDEC DECISION SYSTEMS

ProRisk is available in both client/server and web-enabled configurations.
At Peldec Decision Systems, we understand the complexity that loan officers, credit analysts, senior
Client/server system requirements: bankers and loan committees face in making commercial credit decisions. Our end-to-end software
Client application: Windows 98/NT/2000/XP solutions enable commercial credit professionals at all levels to reduce the time needed to review,
Database server: Oracle, IBM DB/2, Microsoft SQL Server and Microsoft Windows 2000 Server analyze and decide on credit applications and to manage credit risk profitably.
with Analysis Pack
Peldec has been providing mid-size and global financial institutions with mission-critical credit
System requirements for web-enabled configuration: management solutions since 1990. The Company’s continued success is based upon its dedication
Browser: Internet Explorer version 5.5 or higher to its clients, uncompromising technological innovation and the strength of the Peldec team.
Application server: IBM Websphere or Microsoft IIS
Database server: Oracle, IBM DB/2, Microsoft SQL Server and Microsoft Windows 2000 Server
with Analysis Pack

US Office Swiss Office Israel R&D Center

1040 Avenue of the Americas, 24th Floor Rebgasse 43 1 King David Blvd,
New York, NY 10018 CH 4058 Basel, Switzerland Tel Aviv 64953, Israel sales@peldec.com
T (212) 922 2105 F (212) 922 2106 T +41 61 693 4412 F +41 61 693 4413 T +972 3 6959225 F +972 3 6959231 www.peldec.com

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