What it watches
Four questions, asked every week.
Where are we concentrated?
Sector, geography, single-borrower and group exposure against your internal limits and regulatory caps.
Who are we exposed to?
Counterparty and related-party exposure, aggregated across facilities, guarantees and collateral providers.
What is drifting?
Early-warning indicators: arrears drift, collateral cover, utilisation, restructures, with the Settlement Pattern Analyst’s signals folded in.
What if?
Scenario stress on rates, currency and sector downturns, expressed as impact on capital and provisions.
From data to memo
Monday export. Tuesday memo. Wednesday committee.
Connect exports
Loan book, collateral register, arrears and limits: scheduled exports from your core system, or files dropped by risk staff.
Reconcile
Totals are checked against the previous week. Gaps and duplicates are flagged before analysis begins.
Rank findings
Limit breaches first, then movements, then scenarios. Nothing is buried in an appendix.
Draft the memo
Plain language, one page, each number cited to its source row and policy clause.
Committee decides
The head of risk edits, comments and approves. Decisions and dissent are recorded with the memo.
Traceability
Every number traces back to a row.
Click any figure in the memo and the Analyst shows the facilities behind it, the export they came from, and the policy clause it was tested against. Board packs stop being a matter of trust.
Who decides
Analysts draft. Committees decide.
Works with