Products and Services

CREInsight™

Sheshunoff Consulting + Solutions and Ardmore Banking Advisors have teamed up to bring CREInsight™ to the community financial institution market.  Designed to help institutions address the December 2006 Interagency Guidance on Commercial Real Estate Concentrations, CREInsight can be implemented quickly and inexpensively enabling institutions to demonstrate awareness and control of CRE risk as outlined in the Guidance.

The 2006 Interagency Guidance requires new definitions of best practices in:

  • Board and Management Oversight
  • Portfolio Management
  • Management Information Systems
  • Market Analysis
  • Portfolio Stress Testing and Sensitivity Analysis
  • Credit Underwriting Standards
  • Credit Risk Review Functions

What is CREInsight?

CREInsight enables your financial institution to extract, maintain, track and report on detailed CRE loan, borrower and tenant information directly from your portfolio.  With CREInsight, your credit departments can easily demonstrate awareness and proactive control of CRE risk.  This easy-to-implement tool effectively responds to the new CRE information management requirements for the institution’s management, board, shareholders and regulators through reporting and portfolio stress test capabilities.

Benefits of CREInsight

Learn how banks use the power of CREInsight to turn their credit data into a valuable corporate asset - reducing risk and improving efficiency.

  • Easy to implement, with very little involvement from IT, you are up and running quickly.
  • Ensures the integrity of your existing system of record, while providing a secure repository for new CRE data.
  • Allows you to respond to the guideline with minimal impact on your budget.
  • Automatic logging of changes protects your data and helps you comply with audit requirements.

Basic solution components of CREInsight

  1. An easy click-and-drag data import wizard that lets you gather required information from your core accounting system.
  2. A repository for monthly risk-based capital figures and key CRE loan data detailed in the Guidance that is not generally available in core accounting systems.
  3. Data entry screens designed with customizable pick lists, automated data validation features, and other sophisticated design elements that speed the collection of new data that must be gathered manually.
  4. Industry standard tables including NAICS.
  5. Multi-level data security.
  6. A battery of standard month-end “best practices” CRE reports as described in the Guidance.
  7. An export feature that lets you send data to Excel or other tools for additional analysis or reporting.

The CRE guidance details new CRE information needed

The Guidance includes new CRE information to gather, track and report on, including:

  • Property Type
  • Project Locations
  • Tenant Concentrations
  • Tenant Industries
  • Developer Concentrations
  • Risk Rating
  • Loan Structure
  • Loan Purpose
  • LTV limits
  • Debt Service Coverage
  • Policy Exceptions
  • Exposure to One Borrower
  • Affiliated Loans
  • Loans to Tenants