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Portfolio Insights

Proactive portfolio risk management

Monitor your entire small business portfolio continuously with automated scoring and early warning signals. Know which loans need attention before they become problems.

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The Problem

Credit risk doesn't stop at origination. Economic conditions change. Businesses evolve. Problems develop.

Without continuous monitoring, you're reacting to problems instead of preventing them.

The Solution

Stay ahead of risk and proactivity identify problems before they happen.

Portfolio Insights helps you assess risk and identify potential problem loans across your entire small business portfolio.

Core Capabilities

Portfolio-Wide Scoring

Score your entire portfolio with efficient updates and a simplified workflow.

Risk Segmentation

Evaluate portfolio as whole or by segments. Categorize by industry, geography, loan product, size, term, or any combination.

Migration Tracking

View portfolio risk migration with trends based on your scoring frequency. See how loans move between risk categories over time.

Geographic & Industry Analysis

Understand risk by industry or geography at state or county level. See top factors driving portfolio risk.

What You Get

A real-time view of risk across your entire portfolio, with alerts that help you act before problems escalate.

Comprehensive overview of predicted portfolio performance

Probability of default, loss given default, and expected loss for every loan

Early warning alerts for deteriorating credits

Concentration risk analysis

Trend reports and drill-down analysis

Key Benefits

Spend less time digging through spreadsheets. Spend more time managing risk.

Eliminate tedious, manual, time-consuming portfolio analysis

Increase monitoring frequency without adding resources

Proactively identify higher risk loans

Stop being reactive. Become proactive.

Product At Scale

How solutions work together

Pre-Screening:

Business Report

Data Portal

to identify opportunities and pre-qualify prospects

Underwriting:

Prime

Business Report

to assess risk and make decisions

Portfolio Management:

Portfolio Insights

Data Portal

to monitor, track migration, identify problems early

Strategic Planning:

Advisory Services

for long-term growth

Use one solution or all five.

Lumos fits your workflow.

Ready to see Lumos in action?

Book a 30-minute demo. No pressure, no sales pitch. Just a straightforward conversation about whether Lumos is right for you.

Request My Demo