CASH Reward™ | Wolters Kluwer
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CASH Reward™

  • Risk Assessment and Loan Grading

    Reduce loan losses and increase business portfolio profitability by enabling senior lenders, portfolio and risk managers to formalize underwriting and risk management policies by tailoring risk scorecard models to your policies and procedures. Assess risk trends at specific industry and business-line levels during underwriting and throughout the life of the loan.

    A scalable framework solution that supports your organization’s loan grading system

    • Produces comprehensive Risk Management Procedures Manuals to facilitate staff training and better ensure adherence to risk management policies.
    • Aggregates loan grades to determine portfolio risk levels.
    • Automatically assess financial performance of businesses and individuals based on data entered and analysis performed in CASH Insight™.
    • Automatically updates risk assessments when new financial data is available.

    Consistently assess risk and grade loans

    • Set parameters to assess non-financial risk including local, regional or national economy; industry trends; management depth and experience; borrower and guarantor character or other non-financial risk elements.
    • Adjust risk policies as market conditions and portfolio needs change.
    • Assess data and analysis provided by CASH Insight™.
    • Create risk ratings and loan grades to produce risk-based loan pricing in CASH Profit™.
    • Provide data used to manage the portfolio using CASH GlobalView™.