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When Administrators create a Risk Rating Worksheet Template, they can choose from several formulas to include. This article covers what each formula option will do if selected as part of your Risk Rating Worksheet Template setup.
For the full article on creating a Risk Rating Template please click here.
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Balance Sheet: Current Ratio |
Spread Current Ratio from either latest historical or Proforma (depending user checking Use Pro Forma) |
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Balance Sheet: Debt to Worth Ratio (Calculated) |
Spread Debt/TNW Ratio from either latest historical or Proforma (depending user checking Use Pro Forma) |
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Balance Sheet: Debt to Worth Ratio (Manual) |
No calculation. User entered |
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Borrower: Industry Experience |
No calculation. User entered |
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Borrower: Management Experience |
No calculation. User entered |
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Cash Flow: Business Debt Service Coverage (2 years) |
Spread Debt Service Coverage Ratio from latest 2 historical periods |
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Cash Flow: Business Debt Service Coverage (3 years) |
Spread Debt Service Coverage Ratio from latest 3 historical periods |
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Cash Flow: Overall RMA Comparison |
No calculation. User entered |
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Cashflow: Global Debt Service Coverage |
Spread Debt Service Coverage Ratio from latest 3 historical periods |
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Cashflow: Trend Analysis |
No calculation. User entered |
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Collateral: Inspection |
No calculation. User entered |
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Collateral: Loan to Value |
Total Loan: Loads financing loan amount(s) Total Value: Sum of collateral records estimated value. Divides for LTV |
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Collateral: SBA Default Rate by Industry |
Loads the Company’s (associated with selected spread) Default Rate (Company Credit screen) |
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Financials: Business Cashflow Coverage |
No calculation. User entered |
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Financials: Business Financials |
Loads most recent SBPS score from Tracking |
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Financials: Insurance |
No calculation. User entered |
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Financials: Job Creation |
No calculation. User entered |
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Financials: Property Taxes |
No calculation. User entered |
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Personal: Credit Quality |
Displays credit scores for contacts on loan |
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Personal: Debt to Income Ratio |
No calculation. User entered |
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Personal: Liquidity |
No calculation. User entered |
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Servicing: File Compliance |
No calculation. User entered |
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Servicing: Loan Seasoning (Age) |
No calculation. User entered |
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Servicing: Occupancy |
No calculation. User entered |
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Servicing: Repayment History |
Displays primary loan Payment status (Servicing tag on financing record) |
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Servicing: SBPS Score |
Loads most recent SBPS score from Tracking |
