In TurnKey Lender, you can view reports on the Reports workplace. General overview of the Scoring reports list can be found below.

Open

Reports are building on all available in the database credit applications.
By hovering over the column name the pop-up hint is displayed showing the column name description.
For reports based on open loans, ‘open loan’ means a loan with the active period that overlaps the reporting period (at least partially).
Note. Such open loans may actually be closed on the day when the report is created.
By default, the user can review all scoring reports on one web page. To review any specific scoring report, the user should click the All Reports split button and select a report from the list:

Open

The following reports are available to the user:

• System Stability

• Scorecard Accuracy

• Delinquency Performance

• Final Score

The data in all risks reports can be displayed according to a certain period.
To select a period of the reports, the user should click the Monthly split button:

A selected period applies automatically to all portfolio reports.
The user can export the data of the scoring reports to the Excel spreadsheet by clicking the Export button:

System Stability report

The System Stability report contains information on score distribution for a loan portfolio and is based on the open loans.
The report allows the user to analyze portfolio stability and changes in the borrowers' credit quality:

The table of the report displays the following information (see Table 1):

A value highlighted in color under the System stability table displays the total of all index values.
This value allows the user to estimate relevant changes in the portfolio as follows:

• Index < 0.1: no relevant changes are available; the value is highlighted in green;

• 0.1 <= Index < 0.25: loan portfolio has insignificant changes. However, a cause of these changes must be determined; the value is highlighted in yellow;

• Index >= 0.25: loan portfolio has changed significantly; the value is highlighted in red.

Scorecard Accuracy report

The Scorecard Accuracy report (see Fig. 6) allows the user to analyze risk distributions.
The report is calculated for loans which have been active or past due at least one day during a selected period and which have been closed recently (is based on the open loans).

The table of the report displays the following information

Note: The value of the expected bad rate is taken from the scorecard.

These parameters allow estimating appropriate risk distribution.

Delinquency Performance report

The Delinquency Performance report (see Fig. 7) allows the user to estimate the change in the number of overdue loans in score ranges.
Additionally, the Delinquency Performance report allows analyzing the distribution of overdue loans in different delinquency buckets.
The report is calculated for loans which have been active or past due at least one day during a selected period and which have been closed recently (is based on the open loans).

The table of the report displays the following information

For example, the Delinquency Performance report may show that the number of “bad” borrowers decreases with the increase in the number of days in arrears.

Final Score report

The Final Score report (see Fig. 8) allows the user to estimate the application of credit rating for new loans created in a selected reporting period.

The table of the report displays the following information:

According to the report shown, the score ranges displayed in lines 1-4 are above the cut-off point (above 63),
while the score range “0-62” (line 5) is below the cut-off point. Total ratios for all loan applications rated above the cut-off point are displayed in line 6.