Today’s dynamic operating environment demands timely tracking of emerging risks and forward-looking risk indicators, enabling our clients make fast and informed decisions on their portfolios, lowering loan-loss contingency.

Integral IQ helps portfolio managers and credit officers monitor credit impacting events through:

• SME-led portfolio surveillance, with alerts shared within 24 hours of a material credit impacting event, followed by opinionated event notes within 24-36 hours
• Proprietary web-based tools such as Early Warning System (EWS) and Negative News Analytics (NNA) provide real-time risk detection on lending exposure using rule-based red flags and trigger action in the event of credit quality weakening
• Crisil playbooks, including EWS algorithm/methodology improvement though supervisory learning, trigger validation and curated trigger library covering portfolio and credit quality nuances, for sharpening the predictive power of incumbent EWS
  

Periodic covenant monitoring helps in the early identification of potential weakening in the credit quality. We help strengthen our clients’ covenant monitoring framework by standardising processes, creating efficiencies and reducing data errors.

Integral IQ helps track the status of negative and affirmative covenants through:

• SMEs with deep understanding of covenant nuances and credit agreements for managing covenant monitoring workflow, periodic tracking and overdue reporting
• The Covenant Guard tool offers an integrated and centralised solution by setting up covenant monitoring frequency, capturing periodic covenant data, sending automated email alerts to flag headroom contraction and overdue covenant attestation, and viewing dashboards with slice and dice features
  

We also provide covenant monitoring managed services on our parent S&P Global’s iLEVEL platform. Click here to know more