Loxon Early Warning

Loxon
Lending

Would you gain process efficiency and integrate risk assessment? Control the whole lending lifecycle from sales and decision steps all along to contracting and monitoring phases.

Loxon
Collateral Management

Missing Basel II compliant collateral analytics? Keep record of your collaterals and optimize your regulatory and economic capital requirement.

Loxon
Collection

Facing rapidly growing ratio of bad debts? Improve your collection strategies, reach more customers with your collection team and automate more to increase collected recoveries.

Loxon
Rating/Scoring

Plan to improve your decision and client monitoring practices? Centralize financial data capture, use various indicators, quantitative and qualitative measurements.

Loxon
Limit Management

Using limit based approach in corporate lending? Build your limit structure and evaluate limit usage of customers and groups according your credit policy.

Loxon
Early Warning

Need to recognize problematic exposures in an early stage? Wish to up-sell to good clients? Predict the probability of default using behavioral approach on expert or statistical base.

Loxon
Basel2

Implementing Basel II regulations? Utilize state-of-the-art risk calculation methods, maximize risk adjusted performance and become fully Basel II compliant.

Loxon Early Warning

Loxon Early Warning system is a software providing efficient support to the credit monitoring activity of Bank. The main goal of the system is to identify possible threats in retail or non-retail credit portfolio (in early stage) and to take the necessary measures on time. The Bank can avoid unnecessary credit losses and even to generate new business for well performing customers. Monitoring of credit portfolio is performed from a customer or customer group aspect. The expert based prediction system evaluates several signals concerning every client based on the available quantitative and qualitative data and based on the parameterized signal rules. The statistical system evaluates the change in the PD and identifies the customer’s segmentation. If EWS suggests any kind of warning signal or recommend action for a certain case, it also enforces manual examination (root cause analysis), according to the predefined workflow. The system can support the escalation process and the pre-workout or any other optimized (segment based) customer actions.

Expert speaks »

We Can

Collect all relevant data from your source systems for Early Warning calculation
Support the controlled manual data capture if the required data is not available in the source systems
Calculate different types of signal values and determinate signal flags
Send different levels of signals (warnings, alerts etc.)
Execute Root cause analysis, indentify and display the possible root causes of different signals
Assign the customers to the appropriate risk classification brackets
Provide you with the opportunity to overwrite the classification result manually in a controlled and logged way
Support monitoring review from customer or customer group (GCC) aspect
Support both quantitative and qualitative measurements
Support the escalation process and the pre-workout phase

You Can

Identify possible threats in Your credit portfolio (in their early stage)
Take the necessary measures on time
Control Your monitoring processes
Have appropriate information about risk of customers and/or customer groups
Allocate automatically or manually the monitoring related tasks
Identify the root causes of risks before the actual event happens
Generate documents (e.g.: result of monitoring)
Execute various reports and analyze Your portfolio
Parameterize signal rules
Change signal calculation algorithms and adopt them to the changed environment