Early Warning &
Monitoring

Early Warning &
Monitoring

ApPello’s Early Warning & Monitoring system is a perfect tool for early recognition of loan repayment discrepancies, allowing proper time to solve potential difficulties and decrease timely intervention.

Discover
Product Details

Beside standard credit monitoring the solution helps managing arising issues immediately by triggering policy actions before the deterioration of clients’ financial situation.

The inbuilt monitoring supports the regular review of the full loan portfolio.


Benefits

Early identification of non-performing loans, efficient credit monitoring

Parameterizable alerting mechanism, Automated early warning signals detection

Classification, segmentation and strategy management

Action plans and risk intervention management

Provision and RWA mitigation, asset quality and solvency improvement

Expert estimation of the risk categorisation (Loans, Customers)

Early Warning
System

Data gathering

  • Internal data sources
  • External data sources

Warning signal

  • Configurable signal definition
  • Automatic / manual generation
  • Configurable signal rating

Customer/Loan classification

  • Evaluation of signals
  • Automatic risk evaluation
  • Manual adjusment

Action Plan

  • Configurable action catalogue
  • Automated action planning
  • Action plan classification

Action

  • Task execution
  • Customer/Loan evaluation
  • Outcome: Problem free/Watchlisted/Workout

Statistical based flexible
Early Warning calculation engine

The system works with an individually defined, extendable set of automatically or manually generated early warning signals. The monitored information, the sensibility of automatic signal generation as well as the “strength” of the signal are determined by business rules and are freely parameterizable by Power users professionals. Signals can be, for example, decreased account turnovers, late payments, changes of client rating or information from an external credit blacklist.

Workflow based
escalation process

The classification process is started automatically by business rules that analyze the warning signals and propose an initial rating of the client. Business and risk management experts rate the client as well, this rating is also an input for the action plan generation. After the rating, the system decides about the action to be taken through an approval process. A 360° client overview, including client group information, supports decision making.

Action plans and handling
of risk mitigation tasks

Above the recognition of problems the system supports to manage them with the creation of overridable action plans – based on the indicator signals – and generation of new tasks to each action (rerating). The system inspects the allocation, execution and rescans of tasks.

Integrated loan monitoring
module

The Monitoring module supports the regulatory requirement of periodic client review. The system automatically prepares monitoring sheets about the client (client base data and exposures) and assigns them to responsible users for evaluation. In the monitoring sheet the exposures of the client are rated individually, and the approval process is guided by a workflow.

AI
Engine

ApPello’s AI Engine helps identifying early stress signals by using machine learning capabilities.
With the power of AI the system allows to uncover hidden patterns in customer behavior and transforms manual monitoring on a post-facto basis to reactive risk management.

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