CPM is the tool you need to make complex credit decisions. Get a complete credit onboarding and adjudication automation solution that increases transparency and saves time.
CPM was developed in collaboration with one of North America's largest companies to assist them in realizing their vision of centralizing all credit workflows to mitigate risks across various business segments and visualizing the company's aggregated exposure to all external parties.
CPM has a fully automated workflow for submitting and approving a credit request for external entities This workflow encompasses various business segments such as wholesale trading, retail and marketing, supply chain and procurement – all your exposures across all your lines of businesses can be monitored in CPM.
CPM will automatically download relevant information for the entity being adjudicated from sources like DNBi, Experian, Bloomberg, S&P, Moody’s, and others, and have all of it available to the credit analysts and managers to take an informed decision on the credit limits and thresholds.
The Designation of Authority matrix allows you to automatically escalate credit approvals to senior management for less credit worthy external entities.
CPM provides a comprehensive collateral management solution for all types of collateral and the daily management of margin calls. You can completely automate the creation of margin invoices and emailing to counterparties. The margin module allows your team to store all historical margin calls, manage margin disputes and maintain audit trail for all activities.
CPM’s collateral module gives you a feature-rich screen to store all Cash and Letters of Credit collateral. CPM can calculate the interest on cash held/given, as well as calculate Letters of Credit fees changed by the banks. CPM also gives you the ability to manage all your Parental Guarantees and corresponding allocations at the contract levels from a single screen.
CPM has a flexible credit scoring module which allows the credit analysts to use multiple scoring templates. A more targeted credit risk evaluation model produces a better measure of risk. You can assign a single template to all external entities for business segment, or you can have different scoring templates for different external entities based on their business types.
In addition to quantitative factors, you can also configure the coring model to consider qualitative factors which are unique to your business. The final risk score can be used for counterparty credit reviews. All risk scores and corresponding quantitative and qualitative factors are available as intuitive reports and dashboards.
Credit Risk Management cannot work in an isolated silo. CPM has out-of-box capabilities to make REST API calls to data providers like DNB, Bloomberg and Experian. In addition to this, the credit request workflow is seamlessly integrated with the data captured from these data providers to get a valuable information on the external entity being reviewed.
CPM also provides outbound APIs for other systems in your enterprise to access CPM data and reports. The wealth of information captured by all inbound APIs is tagged and archived in ePic’s data warehouse. This data is all available via outbound APIs, thus allowing you to make CPM as the one stop shop for all enterprise-wide risk data.
CPM utilizes the power reporting engine of ePic to generate feature rich and informative Excel reports for every credit data point in the system. CPM also comes with a set of intuitive and insightful dashboards which are extremely useful in providing summarized/aggregated credit snapshots across multiple workflows.
CPM also integrates seamlessly with third-party BI engines – like Microsoft Power BI and Tableau. CPM provides the users with a one-stop-shop for viewing and editing all credit risk related information, as well as all qualitative and quantitative parameters, for all external entities you do business with.