We help credit and risk teams monitor portfolio health, simplify reviews, and stay examiner-ready. See why community financial institutions across 30+ states choose OptimaFI for credit risk solutions.
OptimaFI credit risk solutions are built by former credit executives who understand examiner expectations and how to align your institution’s risk practices accordingly.
Get assessments that deliver objective findings, identify exceptions, and reduce internal lift.
Analyze concentrations, trends, and hotspots across your entire portfolio using interactive dashboards.
Model “what-if” scenarios to assess portfolio resilience and easily report on potential credit impact.
Make CECL simple by automating expected credit loss calculations and documentation.
OptimaFI partners with you to develop reliable, examiner-ready credit risk management processes designed specifically for the pace and realities of community finance.
Cut weeks of manual review work and reduce disruption to lenders with near-real-time reporting and monitoring.
Provide push-button reporting and work papers for internal stakeholders, and regulators.
Keep lenders focused on lending, not gathering files or fixing spreadsheets.
Bring consistency and discipline across your credit files, policies, and reporting.
Deliver clean, defensible documentation aligned with regulatory expectations.
Human expertise layered on top of automated analysis gives you accurate insight and clearer direction for every credit decision.
Get a clear picture of how your credit processes really operate.
Spot concentrations, trends, and warning signs before examiners.
Understand how your portfolio holds up when the economy turns.
Walk into reviews with clean, defensible credit documentation.
Get practical advice from credit experts, not generic commentary.
Turn insight into action, enhancing policies and credit discipline.
OptimaFI connects credit risk to finance and growth data, so you can maintain healthy performance through changing markets and anticipate funding needs.