Credit Policy & MIS

CRI - Management / MIS

This module was created to provide management with a tool to supervise delegated excess handling competences according to current risk rating guidelines.

The CRI Management tool executes reports that need to be signed off. Reports are predesigned and can be parameterized according to current requirements. The generating of the reports is automated and responsible managers receive an e-mail information when a task is due. Different selection criteria for the tasks are available e.g. period (upon request, end of month, end of year, end of quarter, end of week).

A list in the tool shows tasks with status and by when and whom it needs to be done. An open task can also be performed by the designed deputy.

Excess Management

The Excess Handling tool in TEMOS is the main tool to get information of all not risk policy conform positions. The online tool is ready always after the end-of-day processing and is not an intraday supervision aid. Every Credit Officer can work through the positions on screen and comments regarding excess handling are stored and archived with the position. Within the excess management all positions in excess are listed in a folder per person in charge (e.g. credit officer, adviser).

Excess Level

Market Value	Emergency excess Market value vs. risk position
Margin	Margin excessAdvance value vs. risk position
Limit	Limit excessLimit vs. risk position
Product	Product excessProduct limit vs. risk position
Time bucket	Excess in time bucketLimit time bucket vs. risk position
Domicile	Excess in domicileRisk position in securities with no approved domicile
Restricted	Excess in a restricted limit (usable and exclusive limits)Risk Positions vs. Limits with U and E

Each excess level can have its own rule for prioritization e.g.

Amount
Date of (first) excess
Review date

Rules can be customized (extended and/or other criteria).

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