Clari5 Loan Analytics

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Clari5 compiles a comprehensive history of every account, and then provides the data, reports, and dashboards to allow loan departments to quickly assess each customer’s historic cash flows, cash to debt ratios, credit line drawdown ratios, and NAICS industry so that each loan officer can have the information to determine the right mix of programs for each customer. In the long run, Clari5’s Loan Analytics platform is invaluable in assessing the real-time health of your loan portfolio.

Key Features


Lenders should be combining use of traditional data (credit reports, financial statements) which provide a snapshot in time. FIs should also be factoring in transaction data that can expose long term transactional trends to score credit worthiness. FIs have a considerable amount of transaction history from each customer which can be used in any go forward credit decisions. Making the right decision is predicated on being able to access the right data.


Early detection of problems gives lenders the visibility to address problems as they surface. Warning signals can be found in all types of transaction data and customer interactions. In isolation, each signal might be hard to derive meaning from, but when combined with other signs, they can tell a more complete liquidity story for each borrower. Clari5 Loan Analytics provides the critical data for both origination and ongoing monitoring. Built on Clari5’s globally recognized analytics

platform, Clari5 can aggregate and reveal powerful insights across any number of banking systems. Clari5 compiles a comprehensive history of every account, and then provides to loan departments the data to quickly assess each customer’s unique needs.

Key Benefits

Some of the key signals Clari5 can reveal:

● Credit lines at high utilization rates compared to previous time periods

● Credit line utilization rate exceeds banks alert level

● Credit line amount outstanding over several months higher than normal

● Higher credit line utilization compared to industry peers

● Decreasing 3rd party loan repayments

● Increasing credit card balances while repayments are decreasing

● Increasing credit card balances while deposits are decreasing

● Missed or late loan or credit card payments

● Decreasing deposit amounts over a time period

● Decreasing deposit amounts while credit line drawdowns are higher

● Missed payroll deposit

● Delayed, missed, or reduced accounts payables

● Returned checks