Credit Risk Attributes

This is a primary basic use-case of Attributes and is often utilized by organizations that need to conduct a high-level risk analysis of their users. It contains all basic Attributes needed to view your users overall Financial Information, Employment Income sources, Non-Employment Income sources, Loan Payments, Bill Payments and Additional Risk Analysis measures - this is often used in manual processes. Please find a breakdown of the Attributes contained within this use-case below.

Account Overview

• Minimum Balance Detected (Last 90 Days)
• Days with a Negative Balance
• Average Monthly Free Cash Flow
• Balance Trend

Employer Income Overview

• Employer Name
• Average Monthly Employer Income
• Employer Income Trend
• Sum of Employer Income (Per Month, last 12 months - 13 Attributes) *
• Count of Employer Income (Per Month, last 12 months - 13 Attributes) *

Non-Employer Income Overview

• Average Monthly Non-Employer Income
• Average Monthly Government Income
• Total Deposits Trend

Loan Payments Breakdown

• Average Monthly Auto-Loan Payments
• Average Monthly Mortgage Payments
• Average Monthly Micro-Loan Payments
• Average Monthly Student Loan Payments
• Average Monthly Other Loan Payments

Committed Bill Payments Breakdown

• Average Monthly Utility Payments
• Average Monthly Telecom Payments

Additional Risk Analysis

• Count of NSF Fees (Last 90 Days) *
• Count of Stop-Payment Fees (Last 90 Days) *
• Average Monthly Micro-Loan Payments
• Micro-Lender Name
• Average Monthly Expenditure
• Account Age in Days