CREInsight™
Designed to help community banks address the December 2006 Interagency Guidance on Commercial Real Estate Concentrations, CREInsight™ is implemented quickly and inexpensively to let you demonstrate awareness and control of CRE risk as outlined in the Guidance.
The CRE Guidance requires new definitions of Best Practices in:
- Board and Management Oversight
- Portfolio Management
- Management Information Systems
- Market Analysis
- Portfolio Stress Testing and Sensitivity Analysis
- Credit Underwriting Standards
- Credit Risk Review Functions
The CREInsight™ solution is implemented as a standalone reporting module or as an additional CRE data source to a complete credit portfolio management solution like CreditInsight™. CREInsight™ enables your bank to maintain, track, report and stress test on detailed CRE loan, borrower and tenant information from your portfolio. With CREInsight™, community and regional bank credit departments easily demonstrate awareness and control of CRE risk as outlined in the guidance. CREInsight™ effectively responds to the new requirements of CRE information management for the bank’s management, board, shareholders and regulators.
CREInsight™ easily connects to your current process and current systems to help you:
- Easily import data from your core accounting system with a drag and drop data import wizard
- Create a repository for monthly risk-based capital figures and key CRE data detailed in the Guidance that is not generally available in core accounting systems
- Eliminate manual data collection with data entry screens designed with customizable pick lists, automated data validation features, and other easy to use elements
- Leverage industry standard tables including NAICS
- Provide auditable protection with multi-level data security
- Create all the standard and month-end “best practices” CRE reports described in the Guidance
- Easily export data to Excel or other tools for additional analysis and reporting
- Perform portfolio stress testing of income producing CRE properties to meet regulatory requirements
- Perform construction project stress testing to understand market impact and interest reserve performance
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