ARCSys CRE Concentration Analysis breaks down your commercial real estate exposure by property type, geography, and risk tier, highlighting concentration before regulators do.
Built on the same loan-level data as your allowance, so concentration and reserves tell the same story.
CRE concentration is one of the most scrutinized areas in an exam. The institution should see it building before the examiner does.
Every CRE loan carries its property type, market, and risk grade, so exposure is measured from the loans themselves and concentration is managed as it builds, not explained after the finding.
Exposure by multifamily, office, retail, industrial, hotel, and construction, each measured against your capital and your policy sublimits.
Exposure by market and submarket, so you can see how much of your CRE book sits in one place.
Concentration by risk grade and watch status, with the loans that moved between grades this quarter.
CRE and construction exposure measured against capital and policy limits.
How concentration has moved over the last six quarters, and where it heads under base and adverse scenarios.
Concentration reporting built for the committee and the examiner, with the loans behind each segment on file.
The analysis starts from the loan-level data already used for the allowance, so concentration is measured the same way the risk is.
CRE loans tagged by property type, geography, and risk tier.
Exposure against capital, policy limits, and regulatory thresholds.
Adverse scenarios applied to the concentrated segments.
Clear reporting for the board, ALCO, and the examiner.
Concentration measured again each period.
Where exposure is building and where it is unwinding.
Early warning when a segment approaches policy.
The analysis and the decisions it drove, on file before the exam.
Exposure is measured again every period from the same loans as your allowance, so a segment approaching its limit shows up in your own reporting first, with the trend and the loans behind it.
▸ Request a scope callExposure broken down by property type, geography, and risk tier without a manual rebuild each quarter.
Early warning when a segment approaches policy, with the trend and the stress behind it.
Reporting built for the committee and the examiner.
We'll measure it against your capital and your policy limits, loan by loan, and show you what has moved it.
