Homnet Leasing Risk Management

Homnet Leasing Risk Management module is an effective tool for analysing and managing individual and portfolio risks of a leasing company. Due to the possibility of applying automated procedures to the whole leasing portfolio the product allows bringing the risk management quality to a principally new level that is unachievable in Excel.

Functionalities

Registration of the legal entities ownership structure

  • storage of information on owners
  • uniting legal entities into groups
  • detecting connected legal entities by owners and participation in collateral

Individual risk analysis by counterparties

  • storing financial and other indicators of activities
  • calculation of risk ratios and indicators
  • analysing dynamics of indicators

Managing the risk analysis model

  • possibility of independent development of models
  • retrospective application of new model to the existing leasing portfolio
  • comparing the quality of models

Fraud detecting

  • interaction with the NBCH and other information suppliers
  • maintaining black lists

Registration and control of credit decisions execution

  • registration of financing limits provided to counterparties / groups of counterparties
  • preparing credit decision for leasing applications and financing limits
  • control of correspondence of contracts to credit decisions before signing
  • automated check lists to verified the required conditions before contracts signing

Detailed reporting on the leasing portfolio with regard to all possible risk factors

  • credit ratings, industries, regions, and other customer parameters
  • collateral coverage and participation in collateral
  • registration of market value of leased and pledged property

Advantages

For employees responsible for automation

  • simplicity of implementation and support
  • possibility of functionality adaptation without involvement of consultants due to flexible parametrization

For employees responsible for risk management

  • consistency of operations, refusal from using various Excel files
  • considerable increase of operative work efficiency
  • possibility to implement a simplified risk analysis process for standard deals
  • raising the quality and regular monitoring of risk analysis models due to automated procedures

For managers

  • raising the risk analysis procedure reliability
  • raising the portfolio quality, reduction of losses

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