Stress Testing

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Sound credit risk management includes considering how future changes in the economic conditions could impact your credit portfolio. As external factors change, evaluate your borrower’s ability to repay their obligations by stressing cash flow, interest rates, and more. Square 1 Credit Suite makes it easy to detect areas of potential credit risk exposure and understand the potential impact.

  • Transactional stress testing to identify changing economic variables
  • CRE Stress Testing includes adjustments for Cap Rate and the impacts on LTV
  • Integration with Portfolio Stress Testing to create scenarios based on entire segments of CRE loans
  • Rent Roll Analysis linked to CRE Stress Testing to seamlessly link tax return data and property rents
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Identify

Ensure credit-granting is in line with your institution’s credit risk strategy with an in-depth credit analysis of your borrowers.

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Measure

Quantify the credit risk on and off the balance sheet with ratios, custom measures and scoring.

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Monitor

Keep a pulse on credit risk over time by viewing changes in risk ratings.

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Control

Integrate your analyses seamlessly with loan committee presentations and the approval process.

We have been very impressed with the Customer Service offered by Suntell.  Our questions are always answered thoroughly and promptly and in such a way that we never feel stupid for asking them!  Excellent customer support that we haven’t seen surpassed by any other software company to date.

Amber A

Loan Processing Manager, First State Bank of North Dakota