Enterprise Credit and Risk Analytics
Sophisticated risk modeling analytics and forecasting software to enhance your strategic planning
![Professional using our Risk Modeling and Reporting tool](/wp-content/uploads/2023/09/Technology-lady-looking-at-data-on-ipad-1024x683.jpg)
Upgrade Your Risk Management with Data-Driven, Real-Time Quantitative Analytics
In today’s rapidly evolving financial landscape, the importance of informed strategic planning in the finance sector cannot be overstated. This is especially true in the context of effective risk management strategies, which have become increasingly vital. However, credit and risk modeling requires navigating highly complex data often with outdated and inflexible technology. This can lead to an expensive, time-consuming, inefficient, and labor-intensive process.
Alter Domus’ Enterprise Credit & Risk Analytics (ECRA) Solutions
Alter Domus’ Enterprise Credit & Risk Analytics (ECRA) solutions can help financial leaders modernize their risk management practices through cutting-edge data-driven and real-time quantitative analytics. ECRA’s seamless and integrated ecosystem is designed to revolutionize how banks, credit unions, private debt funds, and insurance companies approach credit and risk management.
ECRA stands out from other analytics solutions as a seamless, integrated ecosystem that forms a complete foundation for autonomy, governance, suitability, regulatory reporting, and compliance for banks, credit unions, private debt funds and beyond. This technology platform and advanced quantitative modeling services represent unmatched value for credit executives – all at a sustainable, predictable cost.
Financial executives can leverage ECRA’s advanced analytics and data-driven insights to gain a comprehensive understanding of future risks and exposure by asset class, segment, and region. This ensures that they can make informed decisions while maintaining regulatory compliance.
Benefits
1. Data-driven decision making
Our real-time quantitative analytics empower you to make informed decisions that maximize opportunities and minimize risks.
2. Enhanced risk management
The integration of data across multiple business functions allows for a more comprehensive understanding of risk trends and classifications.
3. Stay ahead of the curve
ECRA’s advanced risk management approach helps you anticipate potential risks and adapt quickly.
4. Improved credit policies and underwriting:
Insights gleaned from ECRA’s data suitability approach can lead to enhanced credit policies and underwriting practices.
5. Optimized pricing and capital planning:
ECRA’s real-time analytics help financial leaders make informed decisions on pricing and capital planning, maximizing returns and minimizing risks.
6. Achieve long-term success:
By implementing ECRA solutions, your organization can ensure stability, growth, and prosperity in the long run.
Key use cases for ECRA
If you’re a Bank or Credit Union
The challenge
- Creating a seamless and integrated framework of risk management activities across business functions
The ECRA solution
- Proven data-driven models and methodologies
- Configurable quantitative models with performance measures
- Transparency and auditability
- Designed to optimize suitability
- Real-time predictive modeling
- Deeper insights on current and future risks
If you’re a Private Fund Manager
The challenge
- Develop and manage an effective risk management practice through real-time fund valuation models for baseline and stressed scenarios
The ECRA solution
- Model platform automating private fund valuations
- Configurable valuation methodologies
- Cash flow model with prepayment assumptions
- Aggregated deal-data analysis with client-facing portfolio monitoring dashboards
- Customized outputs and fund metrics, regulatory reporting
- Model support and documentation
The ECRA advantage
In summary, Alter Domus’ ECRA solutions provide a critical economic edge for financial institutions by enhancing their approach to risk management, enabling them to tackle growing risks, tougher regulations, and increasing competition.
analytics empower you to make informed decisions that maximize opportunities and minimize risks.
Key Features
1. Integration
ECRA’s ecosystem is designed to integrate data sets, assumptions, and model attributes across various business functions, revolutionizing how banks, credit unions, private debt funds, and insurance companies approach credit and risk management.
2. Data-driven analytics
Access to real-time analytics allows financial leaders to make timely, data-driven decisions by applying what-if scenarios that enhance accuracy and quantifies impact.
3. Data suitability approach
ECRA’s unique data suitability approach helps uncover insights that positively influence credit policies and underwriting, risk classification, pricing, and capital planning.
4. Scalability
ECRA’s solutions offers scalability, no-code modeling, easy implementation, and the ability for clients to use both their own data and broader industry sources.
The ECRA Solutions
ALLL+ Platform: Allowance for Credit Losses
Alter Domus’ ALLL+ is a comprehensive solution designed to estimate and forecast the allowance for credit losses in compliance with CECL (Current Expected Credit Loss) and IFRS 9 (International Financial Reporting Standard 9) regulations.
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Risk Modeler: Revolutionize your data analytics
A key component of our ECRA risk management ecosystem is Risk Modeler. Risk Modeler is a platform that enhances a client’s model development and risk management framework by providing a completely integrated, end-to-end financial credit modeling, fund valuations and stress testing platform.
Research Papers
Incorporating Covid Default Rate Models
One of the biggest issues facing econometricians and analysts of default rates today is how to incorporate data from the historical periods covering the height of the Covid-19 pandemic into their analysis. In this paper we analyze numerous variations of the two predominant approaches for dealing with this issue.
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Featured Articles
![](https://alterdomus.com/wp-content/uploads/2024/08/Can-CECL-be-easier-for-credit-unions-2-2.png)
Can CECL be easier for credit unions? Explore your options.
When it comes to the CECL process, credit unions can enhance compliance and user-friendliness by striking a balance between model precision and intuitive simplicity. Speaking with Credit Union News, Alter Domus’ Charity Duvall explores how to streamline the CECL process for Credit Unions.
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Get in touch with our team
Bring your risk management into the modern era with Alter Domus’ ECRA solutions and services. Our teams will gladly provide you with a ‘Proof-of-Value’ demonstration utilizing your own data.
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