Impaired Asset Manager

Impaired Asset Reporting & Reconciliation Platform for Credit Oversight

Client

Corporate & Institutional Bank - Institutional Risk

Business Problem

The bank’s credit risk and finance teams relied on a manual, spreadsheet-driven process to track and reconcile impaired assets—loans with elevated risk of default.

Data had to be manually gathered from multiple sources, validated against the General Ledger, and formatted into monthly reports for senior management.

This time-consuming workflow introduced risks of misreporting, delayed insights, and audit deficiencies, particularly in periods of elevated credit stress.

Solution Delivered

We delivered a centralised Access database solution integrated into a custom Excel Add-In to streamline the impaired asset lifecycle—from data entry to executive reporting.

Key features included:

  • A secure, role-based Excel interface where asset managers could review and update data relevant to their portfolio
  • Centralised reconciliation logic that automatically matched asset-level data against the General Ledger, flagging discrepancies
  • Built-in data validation and submission controls to ensure consistency across departments
  • Preformatted Excel export templates for monthly reporting and regulatory disclosures, plus raw data options for ad hoc analysis

The solution significantly reduced manual effort, ensured consistent reporting standards, and strengthened oversight across impaired portfolios.

Results

  • Reduced impaired asset reporting cycle from days to hours
  • Eliminated manual reconciliation errors through automated GL matching
  • Improved data quality and consistency across credit, risk, and finance teams
  • Enabled faster and more confident reporting to senior leadership and regulators
  • Achieved internal audit approval as a compliant tactical solution for risk asset tracking

Technology

Excel | VBA | MS Access

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