VisionAnalytics®
Northwest Farm Credit Services utilizes VisionAnalytics® to analyze their loan applications and portfolios. It is an integrated suite of user-friendly applications titled LoanVision and PortfolioVision.

In 1994, AgriLogic began the design and development of an innovative software package called VisionAnalytics. This was an integrated suite of credit risk management software for agricultural lending institutions, engineered to assist agricultural lenders in the underwriting of individual loans and agricultural loan portfolio management. This software consisted of several components including:

PortfolioVision: Pro forma credit risk management tool for event stress testing at the portfolio segment and institution level. An ideal tool for management and boards to assess future risk exposure;

LoanVision: Pro forma credit risk management tool for event stress testing at the account level. A tool that helps loan officers and chief credit managers assess the potential credit risk associated with a specific loan account; and

LoanVision (Producer Edition): A product designed specifically for farmers and ranchers to help them assess future trends in the economy and what that means for the profitability of their current operations and exposure to risk.

The suite enables the user to stress-test individual loans, segment, or institution portfolios. These software packages aid bankers in helping farmers and ranchers to identify and mitigate potential risks, thus enhancing their future financial performance. VisionAnalytics® distributes updated regional projections of commodity prices, input costs, farm land values, and other key market trends on a quarterly basis in a Windows® environment. The software helps bank personnel to evaluate the risk associated with the debt-repayment capacity of individual customers, as well as the credit and collateral risk inherent in agricultural loan portfolios. It also enables lending institutions to evaluate loans in a pro forma context, in addition to helping their customers evaluate alternative strategies during times of financial stress. VisionAnalytics analytical capability is supported by AgriLogic’s proprietary econometric models, which provide quarterly updates to the suite of software products.

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Allowance for Loan Loss