RSDH: JUICE

General idea

"System of Assessment of Solvency" ("SAS") — a software module for automatic implementation of all necessary financial calculations in the course of determination of rating of the client on the basis of the financial and expert data entered into the program, ensuring formation of the credit conclusion and other reports and also storage of all information.

In addition to actual state of the relations of bank with the client for risks assessment it is extremely important to understand also the real situation at the client even if at the moment he regularly fulfills all obligations. For this reason it is necessary to estimate a financial condition of the borrower by different parameters and as at the very beginning of work with the client, i.e. before execution of the loan agreement, and further, so far this agreement works. Most often final assessment is presented in the form of rating value. It can be also the rating exposed to the client by external partners (for example, rating agencies), and the internal rating determined by the technique accepted in bank.

Business application "RS-DataHouse: System of assessment of solvency" (RS-DataHouse: JUICE") allows to configure and apply such techniques to assessment of a financial status of the borrower on preliminary stages of work with the client and also to regular monitoring and the analysis.

"RS-DataHouse: JUICE" is the system of decision-making which will make process the most transparent, will minimize a role of a human factor in the course of solvency assessment. Thanks to automation of all evaluation stages, the set-up time of the concluding observation can take only 1-5 min. Thus, the processing speed of requests will be reduced many times, so, the bank will be able to increase quality and service rate of clients.

Details

Architecture of the business application "RS-DataHouse: JUICE"

The solution architecture can be presented in the form of several blocks, in each of which certain functions are performed.

All execution engine of calculations for the client, including setup of a technique of calculation of rating (a rating technique) belongs to the Solvency Assessment block. The quantity of the applied techniques is not limited.

It is possible to select the necessary technique either manually, or automatically, "having attached" it to certain clients or customer groups (we will tell, the resident / nonresident) taking into account quantitative indices (for example if the credit amount exceeds 1 million rubles, then the separate technique can be used).

Tools "RS-DataHouse: JUICE" allows to implement as the most difficult multi-stage techniques considering subtleties of the actual business (for example, mark estimates), and simple scoring models.

In results of any automatic calculation it is possible to make "expert changes" with comments (the number of experts is not limited). In the final document a system will issue both values in the separate lines: automatic rating and expert rating.

If the selected technique assumes difficult multi-stage process with participation of group of specialists, then "RS-DataHouse: JUICE", using internal document flow and means of the notification (by e-mail), automatically announces all participants a status of this or that stage and also need to execute the next step. Thanks to existence in a render farm it is always possible to see what stage is passed.

Calculation results users can receive as from the system "RS-DataHouse: JUICE" — during the direct work with it, and in the background from the external application. For example, from work-flow of a front office system, having pressed a certain button, it is possible to receive the report "The credit decision".

Instruments of scenario modeling allow the user "play" with the existing techniques (to change input data on the client, to do forecasts for the payment schedule, to consider a seasonality factor) or to create new (to change formulas, points). All options of calculations will remain in a system.

Calculations are executed both on certain clients, and on groups, customer groups.

Submission of the protocol of calculations

Systems capabilities are not limited to single assessment of a financial status of the borrower and calculation of rating — it allows to make also the analysis of estimates for all history of carrying out calculations for the partner. At the same time the complete detailed protocol of calculation which includes a technique, all intermediate calculations and expert changes remains.

Pyramid of indicators of a method of calculation of OFS

Along with rating in "RS-DataHouse: JUICE" can be implemented, in particular:

• calculation of reserves for IFRS or standards of the Central Bank of the Russian Federation;
• calculation and control of limits;
• calculation of value of credit risks.