In today’s banking landscape, managing credit risk effectively is crucial for long-term success and stability. Our latest product, the Credit Assessment Tool (CAT), powered by Microsoft Dynamics 365 CRM Online, is designed specifically to help banks streamline their credit assessments and strengthen their risk management practices.

CAT provides a secure, cloud-based solution that is flexible, efficient, and cost-effective. With minimal hardware requirements, remote deployment, and automatic updates, banks can enjoy a hassle-free experience, backed by Microsoft’s 99.9% uptime guarantee.

Here’s how CAT helps banks manage credit risk efficiently:

To ensure a thorough and data-driven credit evaluation, CAT uses two primary sets of criteria:

1. Qualitative criteria: CAT reviews important customer background information, including:

• Client’s business profile
• Credit history
• Ownership and management structure
• Social performance
• Client network

2. Quantitative criteria: CAT analyzes key financial data such as:

• Financial statements
• Investment plans
• Financial projections

This data is collected and reviewed by an integrated Credit Assessment Committee Team, composed of:

• Business Client Advisor
• Credit Risk Officer
• Environmental Risk Officer
• Branch Manager

Each team member inputs, reviews, and analyzes data within CAT, working collaboratively to either approve, provide feedback, or decline the credit request. This ensures a well-rounded, transparent, and informed decision-making process backed by real-time data.

Final output:

The result of this process is a comprehensive risk classification, giving banks a clear, data-supported picture of the client’s creditworthiness.

Key reports available in CAT:

• Resume Dashboard
• Decision-Making Report
• Social & Environmental Risk Report

Benefits of migrating to the cloud-based CAT:

• Customization: Leverage Microsoft PowerApps to adapt workflows to specific business needs
• Always Up-to-Date: Access the latest features automatically
• Faster Deployment: Quick implementation with no infrastructure headaches
• Enhanced Security: Benefit from advanced data protection and regular backups

Additionally, CAT integrates seamlessly with other Microsoft products like Office 365, Power BI, and Azure, allowing banks to unify their operations and drive more informed, strategic decisions.

Licensing Advantage:

For banks currently using Dynamics 365 On-Premises, licenses can be reused in the Sales module online environment—saving costs while enjoying the enhanced flexibility of the cloud.

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