Análise de Crédito - Raio X de Cedente e Sacado

Summary

The Raio X system is an advanced tool for credit analysts, offering real-time, in-depth analysis of credit portfolios. It provides detailed information on risks, liquidity, and financial trends, allowing users to explore data through filters and sorting options. The system enables analysts to track overdue invoices, monitor collection statuses, and visualize risk factors through interactive graphs and customizable views. With export capabilities and real-time updates, Raio X enhances decision-making by offering a comprehensive understanding of both individual and overall credit operations.

Takeaways

• 😀 The 'Raio X' feature provides a detailed analysis of a credit operation, offering valuable insights for credit analysts.
• 😀 The tool allows analysts to view real-time indicators of the health and risk of a portfolio and the cedent’s financial situation.
• 😀 Multiple data points are available, including liquidity risks, trends, and the status of invoices (delivered, not delivered, canceled, etc.).
• 😀 Analysts can easily track and manage titles in the system by sorting them based on value, due date, and other criteria.
• 😀 Information about protest status, payment values, and outstanding debts can be accessed with a few clicks, offering a granular analysis of the portfolio.
• 😀 The system offers Excel export functionality for further analysis, allowing analysts to customize reports.
• 😀 The system tracks concentrations per debtor, offering insights into how each debtor impacts the overall risk exposure of the portfolio.
• 😀 Analysts can use the 'Raio X' to identify overdue invoices and examine them in detail, including payment history and relevant documentation.
• 😀 The system offers the ability to filter data for specific dates and view details of overdue titles or specific types of risk.
• 😀 A graphical representation of liquidity ratios and risk levels is available, helping analysts visualize trends and manage portfolios more effectively.

Q & A

What is the primary purpose of the 'Raio X' feature in the system?

The primary purpose of the 'Raio X' feature is to provide analysts with a detailed, real-time view of the risk, liquidity, trends, and status of a given portfolio or operation, allowing them to make informed decisions based on a comprehensive set of indicators.

What kind of information can be analyzed using the 'Raio X' tool?

The 'Raio X' tool allows analysts to analyze various information such as risk liquidity, trends related to invoices, delivered and undelivered goods, positive and negative checks, as well as statuses of receipts and other financial operations.

How does the system help analysts identify issues with a particular account or invoice?

The system provides detailed, analytical views of specific invoices, showing details like values, status of payment, delivery status, and whether the invoice has been protested or canceled, among other factors.

Can analysts filter and sort data within the 'Raio X' system? If so, how?

Yes, analysts can filter and sort data within the system, for example by due date, value, or alphabetical order. They can also apply filters to isolate specific data points, like overdue invoices, and refresh the data for updated views.

What kind of financial operations and scenarios can be tracked using the system?

The system tracks a variety of financial operations including fund transactions, collections, receivables, disputes, and pending account actions. It also supports operations like simple collections, repurchases, and factoring.

How can the system help in analyzing overdue or defaulted invoices?

The system allows analysts to view overdue invoices in detail, checking the values, due dates, and specific statuses, including whether the invoice has been protested or is in dispute. This helps in better understanding the risk and recovery potential.

What types of graphical reports are available in the 'Raio X' system?

The system provides graphical reports on liquidity ratios, risk assessments, and overdue portfolio distributions. These visualizations can help analysts quickly understand the overall health of the portfolio, including overdue and upcoming receivables.

What can be seen when a specific debtor's information is accessed?

When accessing a specific debtor's information, analysts can see detailed data such as the debtor's financial transactions, payment status, delivery status, and any existing issues with the invoice. Additionally, the system displays the concentration of the debtor's impact on the overall portfolio.

How does the system help with managing collections and identifying payment issues?

The system provides detailed insights into the collection process, including any discussions or actions taken regarding unpaid invoices. It highlights whether the invoice was paid, if it was adjusted for discounts, or if there are any outstanding payment issues.

Can the system display the financial details of both the creditor and debtor?

Yes, the system displays detailed financial data for both the creditor and debtor, including contact information, financial history, and specific instructions related to the invoice or transaction being analyzed.