Credit Portfolio Information

From Open Risk Manual


Credit Portfolio Information denotes the totality of information that an organization collects and / or produces about its portfolio of credit assets or credit exposures.

  • Summary Credit Portfolio Information helps management and the board to fulfil their respective oversight roles
  • Detailed Credit Portfolio Information helps business line managers to fulfil their more granular management objectives

Collecting and utilizing portfolio information to support organizational objectives is one of the core tasks of Credit Portfolio Management. Another term used in this context is Credit Management Information System[1]

Credit Portfolio Information is typically summarized in a Credit Report. Both standard and ad-hoc reports are possible, in principle covering all the available data fields

Quality Criteria

  • Timeliness and Accuracy of underlying portfolio data (more generally Data Quality)
  • Analytic nature
  • Contain historical information
  • Provide relative measures
  • Permit drawing independent conclusions
  • Summary information without data overload


Issues and Challenges

  • Incorrect industry codes
  • Failure to report delinquency
  • Incomplete or outdated information on loan participations
  • Failure to archive note origination dates and amounts at renewal or modification
  • Inaccurate underwriting exception capture
  • Lack of clear reports and reporting lines
  • Incorrect risk ratings
  • Failure to archive risk ratings when a change occurs
  • Omission of off-balance-sheet exposure

See Also

Examples of detailed data field specifications on which credit portfolio information is based are given here:


  1. Loan Portfolio Management Comptroller’s Handbook, April 1998 (Updated June 26, 2017, for Non-accrual Status)

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