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Loan Portfolio Reporting & Analysis

Goal: To design and develop the business analytics framework for the Small Business Administration (SBA) consumer and business disaster loan portfolios.

TrueNorth Process: We first evaluated all sources needed to create a database to support all of the reporting and analysis surrounding both the new loan origination and loan management processes. Next, we created and designed a suite of monthly standard key portfolio breaks and metric reports that are reviewed and discussed by SBA management. The resulting reporting & analysis database is refreshed on a monthly basis, with analysis and reports delivered to the users every 30 days. TrueNorth maintains the database in our secure processing center.

Result: The solution incorporated application and performance data from 2003 through current and was implemented within 90 days. In addition, a bi-annual process to append an external commercial off-the-shelf (COTS) credit risk score was developed. This allows the SBA to understand the credit risk of the personal loan or business loan when all the available external bureau information is considered. The resulting database and suite of analytic reports is utilized Agency wide.


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