Stress Testing

FastGrade capitalizes on its proprietary loan grading calculations and robust portfolio reporting capabilities giving banks the ability to stress/shock test their loan portfolios. "What if" scenario writing, sensitivity analysis, and worst-case-scenario analysis tools allow you to strategically target loans in your portfolio.

• At risk or declining industries
• Decreases in revenues
• Increases in general and administrative expenses
• Commodity price fluctuation
• Interest rate changes
• Geographic risk

Make informed decisions about credit policy and implement changes that will decrease risk, increase profitability and ensure consistency.

Portfolio level sensitivity analysis coupled with individual credit file sensitivity analysis gives your lending management and personnel the power to ensure that your bank can weather local or national economic down turns.

Combine the powerful stress/shock testing feature with the ALLL reserve feature and ensure that your bank is sufficiently capitalized.

Peace of Mind for the Past

Use past reporting to proactively manage your portfolio today.

Peace of Mind for the Present

Use current accumulated knowledge to stress test your portfolio for tomorrow.

Peace of Mind for the Future

Strategically grow your portfolio for the future.