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Portfolio Insights Folder

This article will cover the available Portfolio Insights reports in the Data Library Catalog. For more information, please see About Portfolio Insights.

 

In this Article

 

Portfolio Insights Folder

Portfolio Insights is now available for use by all PrecisionLender clients.  In order to view this folder in the Data Library, it is necessary to Enable Bank Level Reports in the Security Profile settings.

If the Portfolio Insights folder is not active, you will see ‘not enabled’ next to it. Select the Folder Enabled toggle in the top right of the folder page. Once you enable the folder, the toggle will appear green. You can disable it at any time by switching the toggle back. For more information, please see Enabling and Viewing Reports and Folders in the Library.

 

Credit Migration Matrix

Matrix of credit rating transitions for all of a client's loans over the past year. For more information, please see Credit Migration Matrix.

Credit Migration Matrix
Field Name Data Type Description
NULL string Row labels (AAA - CCC/C) for risk of default rating at beginning of 1 year period.
AAA float Proportion of loans with initial rating matching row name and final rating AAA.
AA+ float Proportion of loans with initial rating matching row name and final rating AA+.
AA float Proportion of loans with initial rating matching row name and final rating AA.
AA- float Proportion of loans with initial rating matching row name and final rating AA-.
A+ float Proportion of loans with initial rating matching row name and final rating A+.
A float Proportion of loans with initial rating matching row name and final rating A.
A- float Proportion of loans with initial rating matching row name and final rating A-.
BBB+ float Proportion of loans with initial rating matching row name and final rating BBB+.
BBB float Proportion of loans with initial rating matching row name and final rating BBB.
BBB- float Proportion of loans with initial rating matching row name and final rating BBB-.
BB+ float Proportion of loans with initial rating matching row name and final rating BB+.
BB float Proportion of loans with initial rating matching row name and final rating BB.
BB- float Proportion of loans with initial rating matching row name and final rating BB-.
B+ float Proportion of loans with initial rating matching row name and final rating B+.
B float Proportion of loans with initial rating matching row name and final rating B.
B- float Proportion of loans with initial rating matching row name and final rating B-.
CCC/C float Proportion of loans with initial rating matching row name and final rating CCC/C.
Paid float Proportion of loans with initial rating matching row name which were paid off within 1 year.
Unknown float Proportion of loans with initial rating matching row name with unknown status after 1 year.
Default float Proportion of loans with initial rating matching row name which defaulted within 1 year.

 

Opportunity Performance Comparison

Compares individual Opportunities to each other in terms of ROE and Net Income.  Each point in the accompanying visual represents an Opportunity. Two median reference lines, located at the median ROE and median Net Income of all Opportunities in the bank's portfolio, sort the Opportunities into one of four quadrants.

Opportunity Performance Comparison
Field Name Data Type Description
Opportunity ID guid The unique PrecisionLender identifier for the opportunity.
Opportunity Name string The name of the opportunity.
Status string The status of the opportunity
Stage Name string The current stage of the opportunity
Opportunity Last Modified date The date the opportunity was last saved.
Pricing Date date The date the opportunity was priced.
Close Date date The projected close date of the opportunity.
Opportunity Owner ID guid The unique PrecisionLender identifier for the opportunity owner
Opportunity Owner Name string The full name of the opportunity owner
Opportunity Owner Email string The email address of the opportunity owner
Pricing Region ID guid The unique PrecisionLender identifier of the pricing region
Pricing Region string The region in which the opportunity was priced
Relationship ID guid The unique PrecisionLender identifier for the relationship. (Can be null)
Relationship Name string The name of the relationship. (Can be null)
Relationship Last Modified date The date the relationship was last updated or modified. (Can be null) 
Relationship Owner ID guid The unique PrecisionLender identifier for the Relationship Owner. (Can be null) 
Relationship Owner Name string The full name of the owner of the relationship. (Can be null)
Relationship Region ID guid The unique PrecisionLender identifier for the Relationship Region. (Can be null)
Relationship Region string The region of the relationship. (Can be null)
Opportunity ROE numeric The return on equity of the opportunity
Opportunity Net Income numeric The net income of the opportunity
Opportunity Average Equity numeric The average equity of the opportunity
Opportunity Commitment numeric The total loan commitment of the opportunity
Relationship FTP ROE numeric The return on equity (ROE) for the relationship. (Can be null)
Relationship FTP Net Income numeric

The net income of the relationship (after all non-interest income/expenses and taxes are considered as of the most recent RA run)  (Can be null)
Relationship FTP Average Equity numeric The average equity of the relationship as of the most recent RA run.  (Can be null)
Relationship Commitment numeric The sum of the loan commitments of the relationship. (Can be null)
Relationship Deposit Balance numeric The total deposit balance of a the relationship. (Can be null)
Relationship Bank Percentile numeric (Can be null)
Opportunity ROE Median numeric The median return on equity of all stand-alone opportunities in the bank's portfolio
Opportunity Net Income Median numeric The median net income of all stand-alone opportunities in the bank's portfolio
Opportunities Quadrant  numeric The Quadrant (1, 2, 3, or 4) that the relationship falls into

 

Opportunity Performance Comparison (Relationship Impact)

Compares individual "If-We-Win" combinations in terms of ROE and Net Income.  Each point in the accompanying visual represents an "If-We-Win" combination: an Opportunity plus its Relationship. Two median reference lines are located at the median ROE and median Net Income of all "If-We-Win" combinations in the bank's portfolio. The median lines sort the points into one of four quadrants.

Opportunity Performance Comparison (Relationship Impact)
Field Name Data Type Description
Close Date date The projected close date of the opportunity.
If-We-Win Net Income Median numeric The median net income of all If-We-Win Combinations (an opportunity plus its relationship) in the bank's portfolio
If-We-Win Quadrant  numeric The Quadrant (1, 2, 3, or 4) that the If-We-Win Combination (an opportunity plus its relationship) falls into
If-We-Win ROE Median numeric The median return on equity of all If-We-Win Combinations (an opportunity plus its relationship) in the bank's portfolio
Opportunity Average Equity numeric The average equity of the opportunity
Opportunity Commitment numeric The total loan commitment of the opportunity
Opportunity ID guid The unique PrecisionLender identifier for the opportunity.
Opportunity Last Modified date The date the opportunity was last saved.
Opportunity Name string The name of the opportunity.
Opportunity Net Income numeric The net income of the opportunity
Opportunity Owner Email string The email address of the opportunity owner
Opportunity Owner ID guid The unique PrecisionLender identifier for the opportunity owner
Opportunity Owner Name string The full name of the opportunity owner
Opportunity ROE numeric The ROE of the opportunity
Pricing Date date The date the opportunity was priced.
Pricing Region string The region in which the opportunity was priced
Pricing Region ID guid The unique PrecisionLender identifier for the pricing region
Relationship Bank Percentile numeric  (Can be null)
Relationship Commitment

 numeric The sum of the loan commitments of the relationship. (Can be null)
Relationship Deposit Balance numeric The total deposit balance of a the relationship. (Can be null)
Relationship FTP Average Equity numeric The average equity of the relationship as of the most recent RA run.  (Can be null)
Relationship FTP Net Income numeric

The net income of the relationship (after all non-interest income/expenses and taxes are considered as of the most recent RA run)  (Can be null)
Relationship FTP Net Income If We Win numeric The FTP net income of the If-We-Win Combination (opportunity plus its relationship)
Relationship FTP ROE numeric The return on equity (ROE) for the relationship. (Can be null)
Relationship FTP ROE If We Win numeric The FTP return on equity of the If-We-Win Combination (an opportunity plus its relationship)
Relationship ID guid The unique PrecisionLender identifier for the relationship. (Can be null)
Relationship Last Modified date  (Can be null) The date the relationship was last modified or updated.
Relationship Name string The name of the relationship. (Can be null)
Relationship Owner ID guid The unique PrecisionLender identifier for the Relationship Owner. (Can be null) 
Relationship Owner Name string The owner of the relationship. (Can be null)
Relationship Region string The region of the Relationship. (Can be null)
Relationship Region ID guid The unique PrecisionLender identifier for the Relationship Region. (Can be null)
Stage Name string The current stage of the opportunity
Status string The status of the opportunity

 

Relationship Performance Comparison

Compares individual Relationships to each other in terms of ROE and Net Income. Each point in the accompanying visual represents a Relationship. Two median reference lines, located at the median ROE and median Net Income of all Relationships in the bank's portfolio, sort the Relationships into one of four quadrants.

Relationship Performance Comparison
Field Name Data Type Description
Relationship ID guid The unique PrecisionLender identifier for the relationship
Relationship Name string The name of the relationship
Relationship Region ID guid The unique PrecisionLender identifier for the relationship region
Relationship Region string The region of the relationship
Relationship Last Modified date The date the relationship was last saved
Relationship Owner ID guid The unique PrecisionLender identifier for the relationship owner
Relationship Owner Name string The full name of the relationship owner
Relationship Owner Email string The email address of the relationship owner
Relationship FTP ROE numeric The FTP return on equity of the relationship
Relationship FTP Net Income numeric The FTP net income of the relationship
Relationship FTP Average Equity numeric The average equity of the relationship as of the most recent RA run
Relationship Commitment numeric The sum of the loan commitments of the relationship
Relationship Deposit Balance numeric The total deposit balance of a the relationship
Relationship Bank Percentile numeric  
Relationship FTP ROE Median numeric The median return on equity of all relationships in the bank's portfolio
Relationship FTP Net Income Median numeric The median ROE of all relationships in the bank's portfolio
Relationships Quadrant numeric The Quadrant (1, 2, 3, or 4) that the relationship falls into

 

Relationship Deposit Anomalies

Highlights anomalous depletion of deposits for most recent Relationship Awareness (RA) run date at the relationship level. For more information, please see Anomaly Detection.

Relationship Deposit Anomalies
Field Name Data Type Description
Owner Id GUID The unique user id of the relationship manager.
Owner Full Name string The full name of the relationship manager.
Owner Email string The email address of the relationship manager.
Relationship External Identifier GUID The unique relationship id for the account level relationship.
Relationship Name string Name of the relationship.
Current Deposit Balance double Current deposit balance for all accounts tied to the relationship.
Previous Deposit Balance double Previous deposit balance for all accounts tied to the relationship.
Change In Deposit Balance double Change in total deposit balance since last Relationship Awareness (RA) run date.
Percent Change integer Percent change in total Deposit balance.
3 Month Average Balance double
Average total deposit balance for all accounts 3 months prior to current Relationship Awareness (RA) run date.
12 Month Average Balance double
Average total deposit balance for all accounts 12 months prior to current Relationship Awareness (RA) run date.
Anomaly Score double Statistical indicator of anomalous activity: 0-10 (i.e. 10 being extremely unusual).
Anomaly Ranking By Owner integer Anomaly Ranking for all of an owner's relationships.
Days To Depletion integer Predicted number of days until total deposit balances is $0 at current draw down rate.
Current Date date Date of Relationship Awareness run used (RA) for detection of the anomalies.
Previous Date date Date of Relationship Awareness run prior to detection of the anomalies.
Relationship Owner Region Name  string Home region for the relationship Owner.
Relationship Owner Region Id string The unique PrecisionLender ID associated with the region the relationship owner is assigned to.

 

Relationship LOC Anomalies

Highlights anomalous usage of Lines of Credit for most recent Relationship Awareness (RA) run date at the relationship level. For more information, please see Anomaly Detection.

Relationship LOC Anomalies
Field Name Data Type Description
Owner Id GUID The unique user id of the relationship manager.
Owner Full Name string The full name of the relationship manager.
Owner Email string The email address of the relationship manager.
Relationship External Identifier GUID The unique relationship id for the account level relationship.
Relationship Name string Name of the relationship.
Current Utilization int Current utilization over all accounts tied to the relationship.
Previous Utilization int Previous utilization over all accounts tied to the relationship
Current LOC Balance double Current LOC balance for all accounts tied to the relationship.
Previous LOC Balance double Previous LOC balance for all accounts tied to the relationship.
Change In LOC Balance double Change in total LOC balance since last Relationship Awareness (RA) run date.
Current LOC Commitment double Current Commitment over all LOC accounts tied to the relationship
Previous LOC Commitmnet double Previous Commitment over all LOC accounts tied to the relationship
3 Month Average Balance double Average total LOC balance for all accounts 3 months prior to current Relationship Awareness (RA) run date.
12 Month Average Balance double
Average total LOC open balance for all accounts 12 months prior to current Relationship Awareness (RA) run date.
Percent Change integer Percent change in total LOC open balance since last Relationship Awareness (RA) run date.
Anomaly Score double Statistical indicator of anomalous activity: 0-10 (i.e. 10 being extremely unusual).
Anomaly Ranking By Owner integer Anomaly Ranking for all of an owner's relationships.
Current Date date Date of Relationship Awareness run used (RA) for detection of the anomalies.
Previous Date date Date of Relationship Awareness run prior to detection of the anomalies.
Relationship Owner Region Name  string Home region for the relationship Owner.
Relationship Owner Region Id string The unique PrecisionLender ID associated with the region the relationship owner is assigned to.

 

Renewals

Renewals of Line of Credit and Letter of Credit core accounts maturing within the next 180 days or that have matured in the past 180 days.

Renewals
Field Name Data Type Description
Last Refresh Date integer The date the dataset was generated in YYYY-MM-DD format.
Core Account Id GUID The unique PrecisionLender identifier for the account.
Days To Maturity integer The number of days until the account reaches maturity.
Maturity Date date The date the account reaches maturity.
Maturity integer The maturity of the loan account in months.
Amortization Term integer The amortization term of the loan account in months.
Owner Full Name string The name of the owner of the account.
Owner Email string The email of the owner of the account.
Relationship Name string The name of the relationship associated with the account.
Product Name string The name of the product associated with the account.
Commitment double The commitment of the loan account.
Balance dobule The current balance of the account.
Net Income double The net income of the account.
ROE double The return on equity of the account.
Relationship Net Income double The NetIncome of the relationship associated with the account.
Relationship ROE double The ROE of the relationship associated with the account.
Rate Type string The type of interest rate on the loan.
Rate double The interest rate on the loan.
Relationship Id GUID The unique PrecisionLender identifier for the relationship associated with the loan.
Relationship Owner Full Name string The name of the relationship owner.
Relationship Owner Email string The email of the relationship owner.
Adjustable Rate Spread double The spread from the index rate to the current rate charged on a loan.
Adjustable Rate Index Rate double The rate of the base index.
Average Balance double 12-month time-weighted rolling average balance for the account, based on the balance field provided in RA.
Utilization double Average Balance divided by the Commitment.
Risk Rating string Risk rating associated with the account.
Facility Rating string Facility rating associated with the account.
Fees Annual Dollars double Annual value of fees on the account.
Fees Initial Dollars double Full unamortized amount of origination fees.
Unused LOC Fees double The unused LOC fee expressed as a percent.

 

RM Pipeline Leaderboard

Leaderboard ranking of relationship managers by return on equity (ROE) of closed won opportunities over the trailing 12 months.

RM Pipeline Leaderboard
Field Name Data Type Description
Owner string The full name of the relationship manager.
Owner Id GUID The unique user id of the relationship manager.
Region string The region associated with the relationship manager.
Region Id GUID The unique id of the region.
ROE double The return on equity of closed won opportunities.
Net Income double The net income of closed won opportunities.
Average Equity double The effective average annualized equity (allocated capital) of closed won opportunities.
Count of Closed Won Opportunities int The number of opportunities won by the relationship manager.
Count of Opportunities int The number of opportunities priced by the relationship manager.
Pct Opportunities Closed Won double The percentage of all opportunities won by the relationship manager.
Loan Amount double The total loan amount of closed won opportunities.
Deposit Amount double The total deposit amount of closed won opportunities.
Other Amount double The total other amount of closed won opportunities.
Username string The username (typically the email address) of the relationship manager.

 

RM Pipeline Scorecard

Scorecard of relationship managers by various metrics of all opportunities modified in the trailing 12 months.

RM Pipeline Scorecard
Field Name Data Type Description
Closed Average Equity double The effective average annualized equity (allocated capital) of closed won opportunities. 
Priced Average Equity double The effective average annualized equity (allocated capital) of all opportunities.
Count of Closed Deposit Accounts integer The count of deposit accounts in closed won opportunities.
Count of Priced Deposit Accounts integer The count of deposit accounts in all opportunities.
Count of Closed Loan Accounts integer The count of loan accounts in closed won opportunities.
Count of Priced Loan Accounts integer The count of loan accounts in all opportunities.
Count of Closed Opportunities integer The number of opportunities won by the relationship manager. 
Count of Priced Opportunities integer The number of opportunities priced by the relationship manager. 
Count of Closed Opportunities with Deposit Accounts integer The count of closed won opportunities with at least one deposit account.
Count of Priced Opportunities with Deposit Accounts integer The count of all opportunities with at least one deposit account.
Count of Closed Opportunities with Loan Accounts integer The count of closed won opportunities with at least one loan account.
Count of Priced Opportunities with Loan Accounts integer The count of all opportunities with at least one loan account.
Count of Closed Opportunities with Multiple Accounts integer The count of closed won opportunities with multiple accounts.
Count of Priced Opportunities with Multiple Accounts integer The count of all opportunities with multiple accounts.
Count of Closed Opportunities with Multiple Scenarios integer The count of closed won opportunities with multiple scenarios.
Count of Priced Opportunities with Multiple Scenarios integer The count of all opportunities with multiple scenarios.
Count of Closed Opportunities with Other Accounts integer The count of closed won opportunities with at least one other account.
Count of Priced Opportunities with Other Accounts integer The count of all opportunities with at least one other account.
Count of Closed Opportunities with Relationship integer The count of closed won opportunities with an attached relationship.
Count of Priced Opportunities with Relationship integer The count of all opportunities with an attached relationship.
Count of Closed Other Accounts integer The count of other accounts in closed won opportunities.
Count of Priced Other Accounts integer The count of other accounts in all opportunities.
Closed Deposit Amount double The total deposit amount of closed won opportunities.
Priced Deposit Amount double The total deposit amount of all opportunities.
Closed Loan Amount double The total loan amount of closed won opportunities.
Priced Loan Amount double The total loan amount of all opportunities.
Closed Net Income double The net income of closed won opportunities. 
Priced Net Income double The net income of all opportunities.
Closed Other Amount double The total other amount of closed won opportunities.
Priced Other Amount double The total other amount of all opportunities.
Percent of Closed Opportunities Won double The percentage of all opportunities won by the relationship manager. 
Percent of Closed Opportunities with Deposit Accounts double The percentage of closed won opportunities with at least one deposit account.
Percent of Priced Opportunities with Deposit Accounts double The percentage of all opportunities with at least one deposit account.
Percent of Closed Opportunities with Loan Accounts double The percentage of closed won opportunities with at least one loan account.
Percent of Priced Opportunities with Loan Accounts double The percentage of all opportunities with at least one loan account.
Percent of Closed Opportunities with Multiple Accounts double The percentage of closed won opportunities with multiple accounts.
Percent of Priced Opportunities with Multiple Accounts double The percentage of all opportunities with multiple accounts.
Percent of Closed Opportunities with Multiple Scenarios double The percentage of closed won opportunities with multiple scenarios.
Percent of Priced Opportunities with Multiple Scenarios double The percentage of all opportunities with multiple scenarios.
Percent of Closed Opportunities with Other Accounts double The percentage of closed won opportunities with at least one other account.
Percent of Priced Opportunities with Other Accounts double The percentage of all opportunities with at least one other account.
Percent of Closed Opportunities with Relationship double The percentage of closed won opportunities with an attached relationship.
Percent of Priced Opportunities with Relationship double The percentage of all opportunities with an attached relationship.
Closed ROE double The return on equity of closed won opportunities.
Priced ROE double The return on equity of all opportunities.
Username string The username (typically the email address) of the relationship manager.
Rundate date The date the RA run containing the account was processed (YYY-MM-DD).

 

 

RM Portfolio Leaderboard

Leaderboard ranking of relationships managers by the return on equity (ROE) of all active core accounts in the bank's portfolio.

RM Portfolio Leaderboard
Field Name Data Type Description
Owner string The full name of the relationship manager.
Owner Id GUID The unique user id of the relationship manager.
Region string The region associated with the relationship manager.
Region Id GUID The unique id of the region.
Strategic ROE double The return on equity of all accounts.
Strategic ROA double The return on assets of all accounts.
Strategic Net Income double The total net income of all accounts.
Strategic Average Equity double The effective average annualized equity (allocated capital) of all accounts.
Average Assets double The effective average annualized assets of all accounts.
Average Loan Balance double The sum of the average loan balances of all loan accounts.
Average Deposit Balance double The sum of the average balances of all deposit accounts.
Current Loan Balance double The total of all current loan balances in the most recent run of Relationship Awareness (RA).
Current Deposit Balance double The total of all current deposit balances in the most recent run of Relationship Awareness (RA).
Other Gross Revenue double The sum of revenues generated by all other accounts, net of any servicing costs.
Username string The username (typically the email address) of the relationship manager.
FTP ROE double The return on equity of all accounts using the FTP calculation method.
FTP ROA double The return on assets of all accounts using the FTP calculation method.
FTP Net Income double The net income of all accounts using the FTP calculation method.
FTP Average Equity double The average equity of all accounts using the FTP calculation method (usually the same as using Strategic calculation method).

 

 

RM Portfolio Scorecard

Scorecard of relationship managers by various metrics based on active core accounts in the bank's portfolio.

RM Portfolio Scorecard
Field Name Data Type Description
Owner Id GUID The unique user id of the relationship manager.
Average Loan Balance float The sum of the average loan balances of all loan accounts.
Average Deposit Balance float The sum of the average balances of all deposit accounts.
Other Gross Revenue float The sum of revenues generated by all other accounts, net of any servicing costs.
Days Ago integer The approximate number of days ago of the RA Run Date. This number must be one of: 0, -90, -180, -270, -360.
Run Date date The RA Run Date closest in time to the number of Days Ago.
Owner Name string The full name of the relationship manager.

 

Relationship Activity Warning

Details for relationships with anomalous behavior on both line of credit utilization and deposit account balance depletion for the most recent run of Relationship Awareness.

Relationship Activity Warning
Field Name Data Type Description
Relationship Id GUID The unique PrecisionLender identifier for the account.
Relationship External Identifier GUID The unique bank identifier for the account.
Relationship Name string The name of the associated business relationship.
Owner Id GUID The unique identifier of the account owner.
Current Date date Date of Relationship Awareness run used for detection of anomalies.
Previous Date date Date of Relationship Awareness run prior to detection of anomalies.
Current Deposit Balance float Current deposit balance for all accounts tied to the relationship.
Previous Deposit Balance float Previous deposit balance for all accounts tied to the relationship.
Change in Deposit Balance float Change in total deposit balance since last Relationship Awareness run date.
Percent Change in Deposit Balance float Percent change in total deposit balance.
Committed LOC float  
Average Loan Balance float The sum of the average loan balances of all loan accounts.
Remaining LOC float  
Current LOC Balance float Current LOC balance for all accounts tied to the relationship.
Previous LOC Balance float Previous LOC balance for all accounts tied to the relationship.
Change in LOC Balance float Change in total LOC balance since last Relationship Awareness run date.
Current Utilization float Current utilization over all LOC accounts tied to the relationship.
Previous Utilization float Previous utilization over all LOC accounts tied to the relationship.
Percent Change in Utilization float Percent change in utilization since the last Relationship Awareness run date.
LOC Anomaly Ranking By Owner integer Where this relationship’s LOC anomaly ranks for all of this owner’s relationships. 1 is the most anomalous relationship for this owner.
Deposit Anomaly Ranking By Owner integer Where this relationship’s deposit anomaly ranks for all of this owner’s relationships. 1 is the most anomalous relationship for this owner.

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