Qualtik

Qualtik's interactive tools empower financial institutions to effectively track capital ratios with precision and ease. By utilizing these tools, institutions can keep a constant watch on their capital ratios, filtering data by unpaid principal balance or committed amount to forecast and manage ratios proactively. Detailed breakdowns encompass call codes, real estate types, industries, risk grades, LTV, and DSCR, providing comprehensive insights into portfolio composition. With the ability to quickly generate ratio reports and focus on specific concentrations, institutions can efficiently address regulatory inquiries. Moreover, incorporating the loan pipeline enables institutions to anticipate and assess the potential impact on capital ratios, ensuring robust strategic planning and compliance readiness. www.qualtik.com #loanportfolioanalysissoftware #CREportfoliostresstesting #builtforcommunitybanks #CREportfolioriskmanagement #stresstestingforcommunitybank #commercialloanportfolioanalysis

The Qualtik team will be attending the JAM FINTOP Summit in Nashville, TN from September 23-25! This invitation-only event will be attended by our CEO, Mark Prior, and President, Mike Fletcher. They are looking forward to connecting with future-oriented community banks to share insights on commercial loan portfolio analysis and risk management. JAM FINTOP FINTOP Capital #JAMFINTOPSummit #communitybanking #fintech #loanportfolioanalysissoftware #CREportfoliostresstesting #builtforcommunitybanks #stresstestingforcommunitybanks 

John does a fantastic job articulating the challenges banks face across all asset sizes: "There are often great excuses as to why you cannot provide the information. There was a core conversion. There was a merger. That data lives in the LOS. That information lives in the servicing system. Neither are in the core, and those systems do not speak to one another. It's hard to merge all that information into one source." Qualtik not only merges these data sources into one system (being tech stack/data source agnostic), but also identifies loans that contain errors. Many of our clients mention that this is one of the biggest benefits they notice when they initially implement Qualtik. If your bank is struggling with this common challenge, reach out to us today to discuss how we can support your bank! #commercialrealestate #commercialcreditrisk #riskmanagement #qualityassurance #dataintegrity #portfoliomanagement #stresstesting

The OCC recommends stressing collateral values on commercial loans. Apply filters to focus on specific concentrations, apply the LTV parameters and stress criteria quickly, and generate professional reports. Customers use the Qualtik software to drill into individual loans with just a click, generate reports for management or your board of directors from multiple perspectives in moments, and quickly generate reports whenever conditions change. Experience the Qualtik difference: www.qualtik.com #loanportfolioanalysissoftware #CREportfoliostresstesting #builtforcommunitybanks #CREportfolioriskmanagement #stresstestingforcommunitybank #commercialloanportfolioanalysis

Today was a rewarding day for the Qualtik team as we volunteered at the Blanchet House & Farm in Portland, OR, serving 373 hot lunches to those in need. It's moments like these that remind us of the power of giving back to our community. Volunteering together not only strengthens our bond as a team but also reinforces our commitment to making a positive impact beyond our professional endeavors. It's inspiring to see how our collective effort can directly contribute to supporting and uplifting others in our community. #CommunityService #QualtikCares #Portland #GivingBack #BlanchetHousePortland

The Federal Reserve's recent stress tests highlight a potential $571 billion in loan losses under severe conditions, particularly impacting regional banks with high non-investment grade loans and exposure to multi-family properties in areas like New York, according to an article by Finimize. This situation underscores the importance of robust risk management practices. At Qualtik, our commercial loan analysis and stress testing product equips lenders with advanced tools to assess and mitigate these risks. By leveraging our platform, financial institutions can proactively manage exposure, ensuring stability even in volatile markets. https://lnkd.in/gdMFz69w #loanportfolioanalysissoftware #CREportfoliostresstesting #builtforcommunitybanks #CREportfolioriskmanagement #stresstestingforcommunitybank #commercialloanportfolioanalysis

As the risk landscape changes, lenders frequently find themselves needing to run a sufficient range of scenarios and analyze the potential impact on specific segments of their portfolio. With Qualtik, you can filter down to any concentration you wish, set your performance thresholds, and apply the stress that fits your need. Experience the difference: www.qualtik.com #loanportfolioanalysissoftware #CREportfoliostresstesting  #builtforcommunitybanks #CREportfolioriskmanagement #stresstestingforcommunitybank #commercialloanportfolioanalysis

Higher interest rates have a significant impact on the commercial lending space, creating a ripple effect that extends to the stock market valuation of banks. This article explores how these dynamics unfold. When banks analyze risk, evaluate scenarios, and make decisions related to their reserves, there is a lot to consider. Factors such as real estate type, geography, and past performance relative to the operating income from collateral are all things to explore. At Qualtik, we are proud to partner with banks across the country as they navigate these decisions. One of our customers recently said, "It's 1,000 times better than the spreadsheets I was using." Feedback like this truly makes our day and drives us to keep innovating. https://lnkd.in/g2AFTGbt #loanstresstesting #commericalloanconcentrationanalysis #qualtik #CRElending

Working in traditional spreadsheets, banks often spend 80% of their time collecting data and 20% of their time analyzing it. Qualtik allows them to flip that equation. “Our goal is to help banks get far more brain power out of their best analytical minds,” said Mark Prior, Founder and CEO of Qualtik. Using Qualtik’s software and stress testing tool, CRE lenders and key bank personnel filter their loan portfolio to look at specific concentrations. For example, they can look at office loans over $1m in a particular ZIP code and evaluate potential NOI stress in a matter of minutes. They can hone in on restaurants in specific MSAs that originated in the last 5 years and evaluate them. They can evaluate repricing of multifamily loans, as interest rates adjust, and identify the loans that have the greatest risk. Qualtik helps credit teams evaluate their portfolio and find answers quickly. 

Qualtik is designed to be an easy step from your current systems and processes, and to add value immediately. There are no integrations needed. Data is imported using the same methodology lenders already use to pull data from their core system into spreadsheets. Once data is imported, banks use Qualtik to hone in on the concentrations that are most important to them and identify and address gaps and errors in the data as they analyze and report on their commercial loan portfolio. Our customers save days per month on analysis time and report generation. #loanportfolioanalysissoftware #CREportfoliostresstesting #builtforcommunitybanks #CREportfolioriskmanagement