Credit Risk Navigator

RMA | Credit Risk Navigator, Powered by AFS is the industry’s premier credit risk benchmarking program.

Measuring your commercial loan performance is necessary during any part of the economic cycle, and even more critical during periods of stress. Understanding how your portfolio stacks up against other banks can help you adjust your strategy.

Credit Risk Navigator, formerly known as the Risk Analysis Service (RAS), is the industry’s next generation commercial credit risk database, which is the best commercial credit metrics resource for bank leadership to understand credit performance of the portfolio with the ability to benchmark bank performance against peers and the market.
Do you want to know… How your portfolio compares to peers? What industries are leading recent trends? What sectors have the most historical volatility? What are projected losses for comparable credit? With Credit Risk Navigator you get the tools and monthly information, all accessed on a new, easy-to-use dashboard, to stay ahead of the curve.

Powering Up Credit Risk Navigator: New Dashboard, Better Insights

What if you had one place to access your data? The new and updated Credit Risk Navigator provides a variety of views that facilitate standardized peer comparison reporting, customized reports, queries targeted by specific need, and other impromptu analysis prompted by market events, in a granularity that far exceeds other similar services. Here is just a sampling of what you can get with Credit Risk Navigator.

Executive Summary Dashboard

• A concise, informative summary of the bank’s credit performance relative to a self-selected peer group and the broad market.
• Ability to toggle between five KPIs and filter by industry sector, geographic location, and more.
• Enables executives and portfolio managers to quickly grasp broad market trends and discern the drivers of the bank’s relative under- or over-performance.

Early Warning/Problem Loan Management Dashboard

• Speedometers provide KPI monitoring across the commercial portfolio.
• Auto rankings by industry sector and metropolitan area reveal where problem loans are concentrated.
• This dashboard empowers risk managers to resolve credit problems in a timely manner before they mature into larger issues.

Concentrations Dashboard

• Illustrates the bank’s commercial loan portfolio composition versus the peer group and the broad market.
• Helps reveal where the bank may be an outlier and which concentrations are contributing favorably or unfavorably to the bank’s overall loan growth and credit risk profile.

Whether it is stress-testing scenarios, comparing your loan performance with industry benchmarks, or preparing for your next meeting with senior management and the board, Credit Risk Navigator is your companion to stay ahead of the curve. To get a demo and learn more, contact us.