Loan Collateral Manager

Tactical Loan Collateral Data Tool

Client

Corporate Bank – Credit Risk & Regulatory Reporting

Business Problem

The bank needed to populate its Credit Risk Engine with structured finance exposure data to support capital adequacy and regulatory disclosures (e.g. RWA calculations).

However, key attributes—such as tranche ratings, issuer identifiers, and collateral hierarchies—were maintained across disparate spreadsheets.

With over 10,000 exposures and no formal data model, the process was prone to inconsistencies, errors, and reconciliation failures—creating both operational risk and compliance pressure in advance of critical reporting deadlines.

Solution Delivered

We built a tactical MS Access application, backed by structured VBA modules, to enable the bank to meet regulatory submission deadlines while their strategic platform was still under development.

Although the primary data store is MS Access, the solution interfaces directly with Excel as the user-facing layer — preserving analysts' existing Excel workflows while introducing a controlled, auditable data management layer beneath.

Key features included:

  • A flexible schema to capture granular attributes of structured finance instruments, including nested collateral, rating agency data, and amortisation types
  • Built-in validation logic to ensure integrity prior to export into the Credit Risk Engine's required import schema
  • An export routine supporting both bulk load and incremental updates, reducing operational overhead
  • Guided data input interfaces aligned with business rules defined by credit and regulatory SMEs

Results

  • Met regulatory deadlines for exposure submission despite strategic platform delays
  • Reduced operational risk by eliminating reliance on uncontrolled spreadsheets
  • Increased data quality through central validation and SME-guided input processes
  • Created a scalable structure that transitioned cleanly into the bank’s long-term architecture
  • Supported capital adequacy reporting and RWA calculations with accurate, auditable data

Technology

MS Access | VBA

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