Stress Testing

Sageworks Stress Testing allows banks and credit unions to stress the portfolio, concentrations, and specific borrower relationships to identify risk. Institutions can create custom concentrations and apply multi-variable stress scenarios using key factors like interest rate, cash flow, and collateral value. Sageworks Stress Testing also provides documentation, bridges loan data in the core and financial data in Sageworks Credit Analysis, and links to FDIC call report data to show effects on capital and earnings. Download Product Overview

  • Satisfy examiners with a top down or bottom up portfolio stress test
  • Identify trouble spots in your portfolio for risk management
  • Make more informed capital planning and lending strategy decisions based on stress results
  • Create reports to effectively communicate risk levels to management, the board, and examiners

"Sageworks is an efficient way to assemble flexible reports that allow us to evaluate pro-forma data and determine trends. Using those trends, we can take steps to diversify our portfolio if we identify a certain concentration is above the baseline we’ve set. The solution and reports produced have been invaluable to management and our examiners."

Julie Cripe
OmniBank, NA
Houston, TX