The Invictus Group

The Invictus
CAPITAL STACK

Evaluate balance sheet capacity and your bank's profitability

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Capital & Strategy

By projecting your Bank’s financial performance under various economic environments and building atop the other components of the capital stack, your bank can customize your regulatory capital requirements, set concentration limits, and satisfy regulatory requirements.

Capital Stress Testing provides a data-focused platform for understanding your institution's capital needs.

Every institution should engage in effective capital planning. Invictus's capital planning service focuses on meaningful limits and thresholds for your institution's capital plan. Eliminate unnecessary complication and get to the point.

InFocus is designed to link loan concentration management with other risk management practices - in particular capital planning, loan level stress testing, and capital stress testing.

"Big Bank" liquidity analysis built for Community Bankers.

Loan Portfolio Analytics

This level of the stack focuses on the major earnings asset of Community Banks: the loans. Estimate your CECL ACL, understand loan profitability or establish a loan pricing framework. Answer any question about your bank with Loan Portfolio Analytics.

Every financial institution must integrate loan-level stress testing into its risk management framework as an essential component. While not mandatory for all institutions, engaging in loan-level stress testing remains pivotal for effective risk mitigation. Invictus's comprehensive stress testing delves into the strengths and potential weaknesses of your portfolio, meticulously examining various elements of credit risk often overlooked by institutions, such as vintage, loan structure, borrower industry, and more.

CECL implementation under ASU-2016-13 is vital for banks, yet many struggle with accurate reserve management. Invictus provides tailored solutions for seamless CECL navigation, ensuring regulatory compliance and operational efficiency. Partner with us to turn CECL challenges into strategic advantages.

Make no mistake about it: Bank regulators, members of Congress, and other financial overseers are concerned about the impact of climate change on banks of all sizes. And they want banks to do something about it.

BankGenome™ Analytics

Compiled from aggregated Community Bank loan data as early as 2005, call report data, and other publicly available data sources use the BankGenome™ database to support critical bank functions by exploring loss histories, prepayment rates, lending practices and other historical information.

Invictus's upSCALE is an efficient CECL implementation solution designed for banks under $1 billion in total assets. With streamlined processes and public data validation, upSCALE ensures compliance with ASU-2016-13. Access your prior calculations anytime and enjoy full data download capabilities for ultimate convenience. Simplify your CECL journey with upSCALE.

BankGenome™ Data As A Service (DAAS) provides financial institutions with access to Invictus's proprietary loan-level database, enabling them to develop customized models and derive valuable business insights. Clients can leverage the same comprehensive data that powers our own advanced models to innovate and achieve their unique objectives.

Loan Level Data

Validate your loan level data for use within the Invictus Capital Stack or other analysis. Explore the risk and reward of your most complex relationships and loan structures – from construction loans with large unfunded commitments to covenant-driven C&I loans.

Ensure the accuracy and reliability of your financial data with our advanced data validation service. Designed to catch critical errors and inconsistencies, our solution pushes your data to the highest standards of quality, allowing you to confidently leverage it for various analytical and compliance purposes.

Navigating the intricate web of relationships between bank loans and collateral data can be challenging, particularly when dealing with varied relational structures. Our advanced analysis solutions empower financial institutions to manage these complexities effectively, enhancing risk management and credit loss assessment.