The document details the innovative features of OriginationNext, a comprehensive risk assessment management platform that integrates model development, risk management, and business processes for financial institutions. It offers automation, real-time data processing, and intelligent scenario analysis, addressing the inefficiencies of manual and fragmented risk reporting systems. By enhancing model accuracy and compliance with regulatory requirements, OriginationNext aims to improve operational efficiency and facilitate timely risk assessments.

1. RISK ASSESSMENT MANAGEMENT
Automate, adapt and maximize risk-reward gains
Financial Institutions profit on taking the right risks. But finding one today involves a
complicated journey of creating complex predictor and indicator models through
multiple archaic and fragmented platforms. Inaccessible and siloed data across
spreadsheets delays risk reporting, updates to existing risk models, increases costs and
decreases operational efficiency. This makes it difficult to keep pace with dynamic
models, regulatory changes and emerging best practices. ORIGINATIONNEXT
represents a generation leap in risk assessment by creating tighter integration
between model developers, model risk management and business teams.
ORIGINATIONNEXT brings in intelligent robotic automation and provides rapid
implementation for business teams. It enables flexible upstream and downstream processes,
scenario analysis, trigger event planning, acquisition and merger integrations, stress testing
and other regulatory compliances.
ORIGINATIONNEXT
Functional Overview
Types of Risk RatingsData Sources
• Customer Data Repository
• External Ratings Agencies
• Financial Spread
Applications
• Identify Borrower
• Initiate Risk
• Model Selection
• Borrower
Factsheet
• Business Risk
• Management Risk
• Industry Risk
• Financials
• Generation of
Model Inputs
• Key Ratios
• Model
Calculations
• Financial/Non
Financial Models
• Risk Scoring
• Risk Grading
• Approval
Workflow
• Approval
Hierarchy
• Risk Overlays
• Risk Overrides
Borrower / Guarantor Data
• Market Data Providers
Macro Economic Data
• Persistency Systems
Delinquent Data
• Transcation Systems
• Facility/ Loan Management
Facility / Loan Data
Borrower
Integration Systems
Loan Origination
& Servicing
Reporting &
Analytics
Persistency
Management
Collateral
Management Systems
Facilitator Industry
Data SourcingInitiation Preparation Approvals Flow
Computation
Models
Risk Rating Platform

2. ORIGINATIONNEXT
Initiate RiskIdentify Borrower Model Selection
Approval Matrix
Company Facility Industry
Types of Ratings
Select Facility Associate Collaterals
Risk
Scoring
RM
Approval
Rating Approved /
Re-work / Reject / Cancel
Rating
Approval
Company Details
Risk
Assessment
Relationship Manager (RM) RM Supervisor Risk Analyst (RA)
Higher Authority Approval (L1/L2/L3)Senior Risk Analyst (SRA)
Risk Rating Journey
Rating
Preparation
Rating
Initiation
Key Highlights
Comprehensive Model Development
Easily configure processes for model development,
roll out and maintenance
 Fetch high quality rating data on a real time
basis through data persistence layer to fine tune
existing models in response to external and
internal triggers.
 Conduct intelligent scenario/sensitivity analysis
through data analytics layer for stress testing.
 Easily create model development datasets
through tight integration with internal or
external data.
 Create a comprehensive impact analysis to
determine potential changes to regulatory,
economic capital, provisions etc.
 Enhance ongoing monitoring through smart
analytics, data visualization and real time alerts.
Compare model performance with
challenger/benchmark models.
Proactive Model Risk Management
Review, analyze and monitor with tight control
 Enable audit trail and version control
capabilities to tightly control and validate
changes across implementation processes.
 Ensure oversight of model performance
through real time analysis and reporting.
 Prepare risk scoring models across business,
management, industry, financials and overall
company score.
 Review and validate sourcing and calculation
algorithms through intuitive graphical interface.
Automated Reporting and Approvals
through Inbuilt Workflow Designers
Enable faster model cycles and control deviations
 Inbuilt visual designers enable quick processes that
automate manual review steps.
 Capture detailed audit trail and incorporate
impact of factors not captured by models.
 Adjust model output according to control and
audit trial requirements.
 Automatically trigger a review and approval
workflow based on custom business rules.
 Utilize pre-prepared and templated reports for
regulatory and management reporting.
Quick Model Execution
Reduce time for model realization to improve
responsiveness to market and regulatory changes
 Enable automatic triggering of ratings based
on custom criteria, for instance, external rating
downgrade, financial spreads, previous year’s rating.
 Identify the relevant model to be deployed
through pre-defined business logic.
 Reduce manual input and errors through
pre-populated ratings by easily fetching data
from historical ratings or third party data sources.
 Ensure current rating accuracy by verifying data
against specific ranges through powerful business
rules and logic and highlighting input values
that are outliers.
Intuitive Data Processing Flows
Personalize layouts and improve rating process efficiency
 Visual Designers make it easy to configure,
maintain and fine-tune models to meet the needs
of underwriters and other users.
 Easily configure data pre-processing steps like
treatment for missing input values, capping
extreme values etc.
 Rapidly calculate data to generate model input
values like financial ratios, logs etc.
 Override risk based on positive upgrade rating
and negative downgrade rating.
Automated Stress Testing
Quickly conduct stress tests and analyze impacts
 Easily configure complex mathematical
computations for scenario simulations.
 Execute stress tests against historical datasets.
 Get warning signals early on.
 Automatically execute model calculation logic
for bulk rating execution against sub-portfolios
based on specific criteria.
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