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Risk Rating Worksheet Formulas
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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.

 

 

Formula type

What does it do or calculate?

Balance Sheet: Current Ratio

Spread Current Ratio from either latest historical or Proforma (depending user checking Use Pro Forma)

Balance Sheet: Debt to Worth Ratio (Calculated)

Spread Debt/TNW Ratio from either latest historical or Proforma (depending user checking Use Pro Forma)

Balance Sheet: Debt to Worth Ratio (Manual)

No calculation. User entered

Borrower: Industry Experience

No calculation. User entered

Borrower: Management Experience

No calculation. User entered

Cash Flow: Business Debt Service Coverage (2 years)

Spread Debt Service Coverage Ratio from latest 2 historical periods

Cash Flow: Business Debt Service Coverage (3 years)

Spread Debt Service Coverage Ratio from latest 3 historical periods

Cash Flow: Overall RMA Comparison

No calculation. User entered

Cashflow: Global Debt Service Coverage

Spread Debt Service Coverage Ratio from latest 3 historical periods

Cashflow: Trend Analysis

No calculation. User entered

Collateral: Inspection

No calculation. User entered

Collateral: Loan to Value

Total Loan: Loads financing loan amount(s) Total Value: Sum of collateral records estimated value. Divides for LTV

Collateral: SBA Default Rate by Industry

Loads the Company’s (associated with selected spread) Default Rate (Company Credit screen)

Financials: Business Cashflow Coverage

No calculation. User entered

Financials: Business Financials

Loads most recent SBPS score from Tracking

Financials: Insurance

No calculation. User entered

Financials: Job Creation

No calculation. User entered

Financials: Property Taxes

No calculation. User entered

Personal: Credit Quality

Displays credit scores for contacts on loan

Personal: Debt to Income Ratio

No calculation. User entered

Personal: Liquidity

No calculation. User entered

Servicing: File Compliance

No calculation. User entered

Servicing: Loan Seasoning (Age)

No calculation. User entered

Servicing: Occupancy

No calculation. User entered

Servicing: Repayment History

Displays primary loan Payment status (Servicing tag on financing record)

Servicing: SBPS Score

Loads most recent SBPS score from Tracking

 

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