Western Independent Banker - May/June 2008 - (Page 31) WIB Service Corporation Report By Anne K. Scully, President, WIB Service Corporation See Your Portfolio’s Risks Clearer with WIB-Endorsed Inmatrix ALL ASSESSMENTS ARE not created equal in the world of projecting credit risk. Community banks that don’t employ a forward-looking, market-based analysis may be exposing their institutions to financial risk and regulatory criticism. Accounting standards are lagging indicators; by the time they reflect shocks, the damage is done. As a result, stress testing has become a strongly recommended means to approximate the “unexpected loss” in a bank’s portfolio – from concentrations and correlations among borrowers in the same segment to estimated reserve provisioning, ALLL and ensure regulators of Capital Adequacy. WIB-endorsed VIP Inmatrix can help your bank manage its portfolio. It offers community banks powerful, costeffective and easy-to-use soft ware to analyze, stress test and manage the credit risk of your entire portfolio, sub-portfolios and even a single credit. Optimist Inmatrix’ flagship product is the only spreading and credit analysis tool that simultaneously allows you to manage risk in your Commercial & Industrial (C&I) and Commercial Real Estate (CRE) portfolios. Its one page fi nancial credit risk “dashboard” enables you to instantly stress test cash flow and other key fi nancial performance measures, analyze projections, model business scenarios (“What If?”) and test strategies that lead to desirable business results. Credit management is augmented through integration of RMA Statement Studies to compare accounts with industry benchmarks. Managing Risk Across Both C&I and CRE Portfolios Optimist provides a wide range of “worksheets” that provide focused analysis on construction projects, income producing property, and property development deals. All worksheets are integrated within Optimist reports, and can be packaged for seamless inclusion in your own credit approval document. CRE Emphasis Satisfy regulators by providing greater consistency in forms, templates and access to data, including CRE related schedules (construction draw, tenancy, sub division release etc.). Since all relevant CRE information is maintained within one central database, you have instant access to information by customer, or on a deal by deal basis. WIB-endorsed VIPs • ATM Network and Driving/Debit Card Processing First Data Debit Services/STAR Network • Bank Operations Profitability Consulting Profit Performance Group • Check Overdraft Privilege Pinnacle Financial Strategies • Check Printing Harland Clarke American Checks • Commercial Equipment Leasing BancLeasing • Competitive Market Intelligence Market Rates Insight • Credit Risk Management and Stress Testing Inmatrix • Executive & Board Compensation Analysis Equilar Inc. • Insurance for Community Banks Independent Bankers Insurance Services • Insured Deposits/Funding for Community Banks The Reserve • Internet and Network Security Services SecureWorks • Loan Portfolio Tracking/Insurance for Lenders and Customers Kesler Associates • On- and Off-Balance Sheet Sweep Accounts The Reserve • Surcharge-free ATM Network MoneyPass • Workers’ Compensation Self-Insurance Group for California Banks WIBSIG “With Optimist, our ability to do ‘what ifs’ with our business customers provides them with real value and differentiates us from the competition.” Park Price, President & CEO, Bank of Idaho Western Independent Banker May/June 2008 31
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