Analyze
Consolidate company data from primary external sources and automate historical financial analysis, projections and financial rating.
CORPORATE CREDIT INTELLIGENCE
Analyze better.
Detect risk earlier.
Monitor continuously.
EMIL brings external data, financial analysis, client interaction and active portfolio monitoring into one governed credit-risk workflow.
External dataFinancial analysisEarly warningCovenants
ONE PLATFORM · THREE CORE AREAS
From company data to an actionable credit-risk view.
Monitor
Re-evaluate client risk periodically using configurable scorecards, early-warning indicators, covenants and a monitoring calendar.
Engage
Use a secure digital client space for structured document exchange, financial-data updates, notifications and transparency.
EXTERNAL DATA · INFOHUB
A current, consolidated view of the company.
Dedicated connectors extract company information from primary data sources. EMIL keeps both original and structured data, making information comparable over time and available to other systems through APIs.
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External sources
→Consolidation & processing
→Credit analysis & monitoring
FINANCIAL ANALYSIS
Turn accounting data into credit insight.
EMIL automates historical financial analysis from trial-balance data and supports financial statements, P&L, cash flow, liquidity, solvency, profitability, efficiency and payment-capacity indicators.
- Historical income & expense analysis
- Budget, cash-flow and balance-sheet projections
- Financing-needs calculation
- Financial rating and market comparison
- PDF, XLS, XLSX and CSV input support
- Dedicated UI and API integration
ACTIVE PORTFOLIO MONITORING
Move from periodic review to systematic early warning.
EMIL monitors corporate credit exposure through financial signals, events from external sources and contractual covenants.
Monitoring scorecard
Configurable events and indicators contribute to a monitoring rating. Knock-out criteria can flag critical situations independently of the resulting rating.
Monitoring calendar
Configurable rules determine when financial information, primary-source data, covenants and the client risk profile are refreshed.
Drill-down results
Analyze the portfolio globally or by company size, sector or branch, then drill down to individual clients.
CLIENT DIGITAL SPACE · DOCHUB
A structured, secure dialogue between bank and borrower.
Clients can upload trial balances and categorized documents, complete detailed questionnaires and receive monitoring information, notifications and alerts.
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CREDIT MONITORING FRAMEWORK
Built around automated data collection and early-warning monitoring.
The product presentation positions EMIL in support of EBA credit-monitoring requirements, including periodic financial-information updates, granular risk data and automated early-warning indicators.
Automation
Active portfolio monitoring through automated processes.
Transparency
Clearer digital communication and visibility into financial monitoring.
Time
Reduce the manual effort required for active portfolio review.
EMIL
Make credit monitoring continuous, structured and actionable.
Discover how EMIL can fit into your corporate credit-analysis and portfolio-monitoring processes.
Request a Demo