Enterprise Credit and Risk Analytics


Sophisticated risk modeling analytics and forecasting software to enhance your strategic planning

Key features
Use cases
Our Solutions
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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 However, credit and risk modeling requires navigating highly complex data often with outdated and inflexible technology.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

Create a holistic credit and risk management ecosystem that combines data, technology, and quantitative and predictive models. ECRA ecosystem serves as the core of modernization, finance, risk, and regulatory reporting.

Less sophisticated modeling tools may compromise the accuracy, quality, and appropriateness of financial estimates and projections. Frequent model recalibrations and the top-notch risk methodology provided by ALLL+ and Risk Modeler will ensure a transparent and precise approach for estimating and forecasting the allowance for credit losses and other financial estimates in order to maintain the necessary level of accuracy and quality in your financials and capital projections.

Regulators and auditors are more data-savvy and expect greater granularity, higher-quality data analytics with increased frequency and transparency. Indeed, regulators and auditors want to know just how effectively you are monitoring and measuring your credit risks and allowances and with what tools. Utilizing the advanced technology offered by the ALLL+ and Risk Modeler platforms enables our clients to demonstrate the depth of their metrics and the accuracy of their reporting and assessments across their portfolio.

Our solution is fully supported by our in-house team of experts, is cloud-hosted, and is enhanced with a SOC compliant infrastructure.

ECRA enables businesses to create and implement scalable, flexible risk models at speed, without the need for expensive, outdated, and labor-intensive processes. By automating and streamlining these processes, your team can focus on strategic decision-making and value-added tasks. Clients can also define and adapt their dashboard views, reports, disclosures and credit and accounting practices.

Gain transparency, better communication, and greater confidence in your allowance for credit losses and forward-looking stress testing framework. Whether sharing results and insights with key executives, management, regulators, and auditors, or using ECRA to create a consistent and reliable risk management process, your understanding of risk will be clear and deep.

Gain efficiency and reduce operations costs by outsourcing your end-to-end allowance process. Receive allowance reporting package with analysis and ongoing support.

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.

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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.

Click to download

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Featured Articles

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.

Click to read

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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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