Concentrations and Ratios

graph from commercial property valuation software

Accelerate and Elevate Monthly Reporting

Many banks aggregate data from multiple spreadsheets and systems to create monthly reports. This is a time-consuming process, with many commercial lenders spending several days every month just compiling and organizing data. With Qualtik, you can generate customizable, interactive reports in minutes.

Dynamic Drilling

Drill in to evaluate a scenario or single loan directly from the dashboard. Get greater detail at your fingertips so you can answer questions, fast.

Concentrations

Get real-time insight to specific areas of concentration with filtering. Access a list of assets and key information for any segment of a concentration.

Capital Ratios

Qualtik’s capital ratio dashboard gives detail behind CRE and C&D capital ratios and helps with forecasting. View your portfolio by unpaid principal balance or committed amount, easily break down details such as risk grades, LTV, and DSCR, and filter by call codes so you can keep a finger on the pulse of your portfolio and quickly answer questions for regulators.

Configurable Reports

Generate reports from multiple perspectives in minutes with Qualtik’s real-time reporting.

Dynamic Analysis for CRE and C&I Concentrations

  • Access interactive dashboards to gain better insights about your CRE and C&I portfolio concentrations and risk profile.

  • Filter by concentration or aggregate multiple portfolio segments with a click.

  • Generate interactive reports for management, board members, and regulators — in minutes.

  • Download reports as a PDF or a CSV file.

graph from commercial property valuation software
screenshot from commercial property valuation software dashboard

Interactive Tools for Tracking Capital Ratios

  • Keep your finger on the pulse of your capital ratios.

  • Filter by unpaid principal balance or committed amount to effectively forecast and manage ratios.

  • Get a detailed breakdown of call codes, real estate types, industries, risk grades, LTV and DSCR.

  • Quickly run ratio reports and hone in on call codes to get regulators the answers they need.

  • Include your loan pipeline to forecast the potential impact on your capital ratios.

Construction & Development Forecasting

Many banks build elaborate spreadsheets and spend considerable time forecasting their construction and development ratios. Qualtik’s C&D Forecasting product allows banks to put aside their spreadsheets and focus on analysis and decision making.

  • Surface your top loans with the largest impact on the 100% ratio.

  • View a forecast of where your ratio is headed when maturity dates and the distribution of committed funds are considered.

  • Review loans from your pipeline and see how they may affect your ratios.

screenshot of example CRE stress testing results
screenshot from commercial property valuation software dashboard

M&A Analysis for Banks

Use Qualtik to analyze multiple portfolios on their own and in aggregate. Qualtik is designed to quickly load and analyze data from multiple sources. It allows for multiple portfolios to be managed at once and to view concentrations and ratios from a blended version of those portfolios with a few clicks. It’s perfect for analyzing M&A opportunities and for analyzing portfolios that reside on more than one core system post-acquisition.

  • Quick set up time

  • View portfolios on their own or in aggregate

  • Supports data coming from multiple sources

Historic Metrics Dashboards

The Historic Metrics dashboards from Qualtik offers banks a powerful solution for tracking and analyzing performance trends over time. Quickly generate highly visual board and management reports to highlight key trends related to your institution’s historic performance against bank policy, regulatory ratios, and strategic objectives. Historical trending reports help banks identify and assess potential risks by analyzing past financial trends and anomalies, enabling them to make decisions quicker and mitigate future risks. View and compare multiple areas of concentration within your portfolio and filter to focus on particular areas of interest.

With the ability to select custom timeframes and save settings for future reporting, Qualtik’s Historic Metrics dashboard simplifies report creation and ensures consistency and accuracy in reporting. It’s one more way Qualtik helps you gain deep insights into your commercial loan portfolio.

  • Visualize trends related to historic performance against bank policy and strategic objectives.

  • Analyze trends related to multiple concentrations and policies over time.

  • View and report on data related to Unpaid Principal Balance or Committed Loan Amount.

screenshot of example CRE stress testing results

Questions from regulators and board members are ever changing. The segments of your portfolio that need a closer look change as fast as the market does. Find answers in a matter of clicks. You have never seen concentration management quite like Qualtik.