Loan Portfolio Stress Testing

Young & Associates, Inc.’s Loan Portfolio Stress Testing models allow you to:

  • Perform a risk assessment of higher-risk segments of the bank’s portfolio

  • Create support documents for ALLL analysis as it pertains to credit risk management

  • Determine the risk potential and pricing adequacy during loan approval

  • Stress test using multiple stress-test scenarios (e.g., loan grades, loan-to-value, debt service coverage, net operating income)

 

Commercial Real Estate(CRE)/Commercial Loan Loan Stress Testing Model (#258)
Includes two easy-to-use Microsoft® Excel spreadsheets to complete the required stress tests using multiple stress test scenarios (e.g., collateral values, debt service coverage ratio, interest rates, etc). Most information can be downloaded from the bank’s mainframe, eliminating the need to enter all data manually. Also includes easy-to-understand instructions for completing both worksheets, and explains the importance of stress testing to the bank’s overall risk assessment of portfolios.

Requires Microsoft® Excel 2007 or higher.

$825

 

Consumer Real Estate/HELOC Stress Testing Model (#256)
Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests needed for consumer mortgage loans and home equity lines of credit. Stresses the collateral value as well as the debt to income ratio. Includes easy-to-understand instructions for completing the worksheet and explains the importance of stress testing to the bank’s overall risk assessment of portfolios.

Requires Microsoft® Excel 2007 or higher.

$425

 

Need Assistance?
If you prefer, Young & Associates, Inc. can complete the stress testing of your loan portfolios for you, and will provide a complete analysis of the results. For more information on our stress testing service and pricing structure, click here.