Leveraging Aperture, users gain insights through drill-down analyses of collateral, allowing for holistic assessments of loan book performance with 360-degree views of collateral, borrowers, and loans.
Identify top security, issuer, sector, asset class and geography concentrations, including indirect exposure look-through into pooled securities and managed products
Easily connect with existing systems via API or batch files
Centralize mark-to-market pricing, valuations, and covenant management across all major collateral types.
Anticipate and simulate scenarios that impact book health using built-in stress testing and what-if modeling
Monitor complex collateral types including real estate, inventory, accounts receivable, insurance, yachts, and more
Access a wide variety of dashboard widgets to identify at-risk accounts from different lenses
View centralized dashboards and review loan book health across the entire lending business
Leverage mark-to-market pricing and automated covenant management for the most accurate reporting
Manage all major collateral types in one solution.
Manage sophisticated credit policies and apply exceptions with ease across different loan products based on market conditions or unique customer needs
Implement firm-wide, channel specific, or loan level exceptions with a few clicks
Maintain all exceptions in one central location for auditability and compliance purposes.
Gain a fast and intuitive understanding of book health and identify at-risk accounts using various configurable metrics
Visualize data insights with Supernova’s Spotlight, a proprietary system that organizes risk into four intuitive categories by color
Gain access to updated risk scores for each loan and collateral
Stress test at the book or loan level based on recreation of historical market events such as 2008 Financial Crisis and 2019 Covid-19
Simulate what-if conditions across asset types, classes and other factors
Schedule periodic simulation tasks as part of standard risk governance processes over time
Support operational and compliance needs with custom and predefined reports on regulatory and key operational metrics, updated dynamically
Identify and share business intelligence to promote visibility across the entire organization via automated notification subscription
Create your own custom watchlist from various attributes and criteria tracked in the platform
Gain access to account data through Aperture’s robust data gateway
Retrieve data with most major independent custodians, numerous other banks, broker dealers and insurance companies
Accept manual data in various formats to augment third-party data integration for complete valuation and risk identification
