Portfolio Analysis for Banks and Credit Unions

Turn loan data into clean, examiner-ready portfolio intelligence.

Monitor concentrations, grade migration, exceptions, and data gaps, and export board-ready reporting in seconds, without touching your core system. Built by former CCOs, regulators, and credit professionals with 200+ years of collective banking experience.

See your entire loan portfolio clearly, before risk emerges
Upload your loan data and get instant credit-risk intelligence
Spot trends, identify outliers, and act on risk faster
Get full-depth credit intelligence, from the portfolio down to every loan
Time-to-value in minutes, not months

Fill out this form to request access to our portfolio analysis software.

A Preferred Service Provider of The Independent Community Bankers of America® (ICBA).

“Portfolio Analysis filled a major gap for our decision-making, portfolio tracking, and reporting. It’s greatly enhanced our capabilities.”

Matt Wright

VP & Loan Review Officer
Lincoln County Bancorp, Inc.

“Everyone wants more, faster — and our window to deliver portfolio reporting each month is tight. OptimaFI gives us quicker, more efficient, and broader access to our portfolio data, which is incredibly valuable.”

Cindy Cheng

SVP & CCO
PCBB

“The standard reports are valuable as is. Easier than core systems and internal bureaucracy to get at timely information.”

Nate Ovall

CCO & SVP
The Bank of Elk River

Matt Wright

VP & Loan Review Officer
Lincoln County Bancorp, Inc.

Cindy Cheng

SVP & CCO
PCBB

Nate Ovall

CCO & SVP
The Bank of Elk River

Surface risks before they surface for you.

OptimaFI consolidates your loan data and transforms it into clean, visualized, examiner-ready portfolio intelligence.

Portfolio-wide visibility

See risk trends, exceptions, concentrations, and outliers across your entire portfolio in one intuitive dashboard.

Loan-level drilldowns

Move from high-level trends to individual loans with one click, making it easy to understand the “why” behind the numbers.

Reduced IT burden

Simply upload your data or set up secure transfer. No IT projects, delays, or vendor coordination needed.

Automatic data cleanup

OptimaFI identifies, cleans, and normalizes inconsistent fields so you can trust every analysis and report.

Fast reporting

Generate management summaries, examiner-ready packages, and board visuals in minutes.

Cloud-based security

Access everything through a secure, browser-based platform with bank-grade encryption and no local installation.

See risk across the entire portfolio.

See trends, concentrations, and emerging risks across your whole loan book. Interactive dashboards and data visualizations give credit and risk teams the context they need to make timely, informed decisions.

Track changes in risk-grade distributions over time or by segment
Identify concentrations by industry, collateral, geography, loan officer, and more
Detect early signs of degradation before they impact performance

Investigate risk down to the loan level.

Save hours of investigation by moving seamlessly from big-picture portfolio views down to individual loans. Exception flags and drill-through navigation reveal the "why" behind the numbers, down to the loan level.

TracMove from portfolio → segment → borrower → loan-level details
Identify missing fields, exceptions, and anomalies automatically
Link source documents and notes for review and audit readiness
Address findings proactively ahead of exams or board reviews

Generate regulator-ready reports using normalized data.

OptimaFI Portfolio Analysis normalizes your data, so your insights are based on clean, consistent information. Charts, graphs, and reports deliver trend and loan-level insights ahead of examiner reviews.

Analyze loan grade migration and trend shifts over time
Assess concentrations by industry, geography, or collateral
Review vintage performance and risk movement across cohorts
Detect pricing anomalies within or across risk categories
Investigate outliers with loan-level drilldowns

Facing credit oversight pressure? Let us help.

Book a Demo Talk to a Specialist

First time-to-value in minutes
Cut weeks out of exam prep

FAQs

Is Portfolio Analysis built for banks and credit unions?

Yes. Our platform is designed for bank and credit union credit teams to monitor portfolio health, surface concentrations and trends, and produce examiner-ready reporting faster, without relying on core-system reporting or spreadsheets.

What do I need to upload to get Portfolio Analysis insights?

In most cases, all we need is a standard data export from your core system, no special prep required. You can upload standard loan-level extracts in multiple file formats. Our system is agnostic to the loan trial balance type. Portfolio Analysis automatically performs data cleansing, normalization, and logic checks to ensure clean, consistent analysis.

Do I need a core system integration to use Portfolio Analysis?

No. You can upload files manually or automate secure data transfers. There is no core integration, installation, or IT-heavy setup required.

How many users can access the Portfolio Analysis?

Unlimited. The platform is cloud-based with bank-grade security, allowing credit teams, executives, and risk staff to log in from anywhere.

Did OptimaFI replace IntelliCredit?

IntelliCredit is now part of OptimaFI, bringing together deep credit-risk expertise with OptimaFI’s broader technology capabilities. You still have full access to Portfolio Analyzer (Portfolio Analysis) and Smart Loan Review (Third-Party Loan Reviews), now with an even stronger data foundation, analytics, and best-in-class product support.