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To provide information about the condition of the loan portfolio in a format useful to management. The report reflects the total number of loans and the outstanding balance of all loans in segments of 30 days.
This date (can be selected using the calendar) will determine which activity will be included in the report. Any recorded activity with an activity date beyond the cutoff date will not be included in the calculations.
Will default to all loans in your portfolio but may be changed by entering the loan # or selecting from the drop down box.
Options for narrowing selection criteria include:
The following instructions relate to limiting the search to specific Funds, and the same instructions apply to each of the potential criteria above.
If you do not wish to include all loans, click on the Funds tab. All existing funds will be displayed for your selection. To select a fund, move the cursor to the fund to be included and click – it will then be highlighted, indicating loans with that fund are to be included on the report. If you wish to include more funds, hold down the Ctrl key and click on the additional fund to be included. If you select a fund by mistake, hold down the Ctrl key and click on the fund again – the highlighting will disappear, indicating it no longer is to be included in the selection criteria. Continue this process until you have narrowed the search to include only those loans you wish to review.
Portfolio Analysis Detail button: Once you have printed the Portfolio Analysis to the screen, this button will become available. Clicking on this button will cause an Excel spreadsheet to become populated with the itemized detail for each of the categories. This spreadsheet contains the category description, loan #, loan name, loan status, loan balance, and number of days late.
Things You Should Know
When loans are identified as 1-30 days late, 31-60 days late, etc., the calculations are based on “next payment due” date as recorded in Loan Activity. That date is compared to the Portfolio Analysis cutoff date to determine if a loan is delinquent, and how many days that loan is delinquent.
When the loan status is edited within the Loan Master file, details of when the status was edited and what it was prior to being edited are not held in the database. For this reason, the report will use statuses as they are when the report is generated. This means:
“Contaminated Portfolio” includes any loan determined to be delinquent but does not have a status within the Loan Master file of delinquent, default, or write-off at the time the report is generated.
“Delinquent Loans” includes any loan with the status of “delinquent” in the Loan Master file at the time the report is generated.
“Default Loans” includes any loan with the status of “default” in the Loan Master file at the time the report is generated.
“Write-off Loans” includes any loan with the status of “write-off” in the Loan Master file at the time the report is generated.
Because the report utilizes data already entered in Loan Master files and through Loan Activity, the report may be prepared as often as desired with no impact on the database.