1. User Story: As a credit analyst, I want to be able to access historical financial data of a company to evaluate its liquidity ratios, so that I can assess its creditworthiness accurately.
– Precondition: The user has access to the company’s financial statements and historical data.
– Post condition: The user obtains the liquidity ratios of the company.
– Potential business benefit: Improved accuracy in assessing creditworthiness, leading to better decision-making and risk management.
– Processes impacted: Credit evaluation process, risk management process.
– User Story description: The user needs to be able to input the financial data of the company into the system and generate liquidity ratios, such as current ratio, quick ratio, and cash ratio. The system should provide a clear and concise report displaying the calculated ratios.
– Key Roles Involved: Credit analyst, financial data provider.
– Data Objects description: Financial statements (balance sheet, income statement, cash flow statement), historical financial data.
– Key metrics involved: Current ratio, quick ratio, cash ratio.
2. User Story: As a credit manager, I want to receive automated alerts when a company’s liquidity ratios fall below a certain threshold, so that I can take proactive measures to mitigate credit risk.
– Precondition: The user has set the desired threshold for liquidity ratios.
– Post condition: The user receives automated alerts when the liquidity ratios of a company fall below the threshold.
– Potential business benefit: Timely identification of credit risk, allowing for prompt action to minimize potential losses.
– Processes impacted: Credit risk management process, credit monitoring process.
– User Story description: The system should continuously monitor the liquidity ratios of companies in the credit portfolio. When the ratios fall below the predefined threshold, the system should generate automated alerts and notify the credit manager. The alerts should provide detailed information about the company and its liquidity position.
– Key Roles Involved: Credit manager, system administrator.
– Data Objects description: Credit portfolio data, liquidity ratios.
– Key metrics involved: Threshold for liquidity ratios, frequency of monitoring.
3. User Story: As a credit underwriter, I want to have access to real-time market data to evaluate the impact of market conditions on a company’s liquidity ratios, so that I can make informed credit decisions.
– Precondition: The user has access to real-time market data.
– Post condition: The user incorporates market data into the evaluation of liquidity ratios.
– Potential business benefit: Enhanced understanding of the company’s liquidity position, considering market dynamics.
– Processes impacted: Credit underwriting process, risk assessment process.
– User Story description: The system should provide the user with real-time market data, such as interest rates, exchange rates, and industry trends. The user should be able to incorporate this data into the evaluation of liquidity ratios to better assess the company’s creditworthiness. The system should also provide visualizations and analysis tools to facilitate interpretation of the market data.
– Key Roles Involved: Credit underwriter, market data provider.
– Data Objects description: Real-time market data, liquidity ratios.
– Key metrics involved: Market indicators (interest rates, exchange rates), industry-specific metrics.
4. User Story: As a CFO, I want to have a dashboard that displays the liquidity ratios of all subsidiaries and divisions of the company, so that I can monitor their financial health and make strategic decisions.
– Precondition: The user has access to financial data from all subsidiaries and divisions.
– Post condition: The user has a dashboard displaying the liquidity ratios of all subsidiaries and divisions.
– Potential business benefit: Improved visibility and control over the financial health of subsidiaries and divisions, enabling informed decision-making.
– Processes impacted: Financial reporting process, strategic planning process.
– User Story description: The system should aggregate the financial data from all subsidiaries and divisions and calculate the liquidity ratios for each entity. The user should be able to view the ratios in a dashboard format, with the option to drill down into individual entities for more detailed analysis. The dashboard should also provide trend analysis and benchmarking against industry peers.
– Key Roles Involved: CFO, finance team.
– Data Objects description: Financial data of subsidiaries and divisions, liquidity ratios.
– Key metrics involved: Liquidity ratios of subsidiaries and divisions, industry benchmarks.
5. User Story: As a credit risk analyst, I want to be able to simulate the impact of different scenarios on a company’s liquidity ratios, so that I can assess its resilience to potential financial shocks.
– Precondition: The user has access to historical financial data and scenario modeling tools.
– Post condition: The user obtains the simulated liquidity ratios under different scenarios.
– Potential business benefit: Enhanced understanding of the company’s liquidity risk profile, enabling proactive risk management.
– Processes impacted: Credit risk assessment process, stress testing process.
– User Story description: The system should allow the user to input different scenarios, such as changes in sales volume, interest rates, or supplier payment terms. The system should then simulate the impact of these scenarios on the company’s liquidity ratios and provide the user with the results. The user should be able to compare the simulated ratios with historical data to identify potential vulnerabilities.
– Key Roles Involved: Credit risk analyst, scenario modeling expert.
– Data Objects description: Historical financial data, scenario inputs, simulated liquidity ratios.
– Key metrics involved: Scenario inputs (sales volume, interest rates, payment terms), simulated liquidity ratios.
6. User Story: As a credit officer, I want to have access to external credit ratings and industry benchmarks to validate the liquidity ratios of a company, so that I can make more informed credit decisions.
– Precondition: The user has access to external credit rating agencies’ data and industry benchmarking reports.
– Post condition: The user incorporates external credit ratings and industry benchmarks into the evaluation of liquidity ratios.
– Potential business benefit: Enhanced validation of the company’s liquidity position, reducing credit risk.
– Processes impacted: Credit assessment process, risk evaluation process.
– User Story description: The system should integrate external credit rating agencies’ data and industry benchmarking reports. The user should be able to compare the company’s liquidity ratios with the external ratings and benchmarks to validate their accuracy. The system should provide visualizations and alerts when there are significant deviations from the external data.
– Key Roles Involved: Credit officer, credit rating agency, industry benchmark provider.
– Data Objects description: External credit ratings, industry benchmarks, liquidity ratios.
– Key metrics involved: External credit ratings, industry-specific benchmarks, deviation from benchmarks.
7. User Story: As a risk manager, I want to have access to historical trends of a company’s liquidity ratios, so that I can identify potential deterioration in its financial health and take appropriate risk mitigation measures.
– Precondition: The user has access to historical financial data and trend analysis tools.
– Post condition: The user obtains the historical trends of the company’s liquidity ratios.
– Potential business benefit: Early identification of financial distress, enabling proactive risk management.
– Processes impacted: Risk monitoring process, risk mitigation process.
– User Story description: The system should provide the user with the historical trends of the company’s liquidity ratios over a specified period. The user should be able to visualize the trends and set thresholds for significant deviations. The system should generate alerts when the ratios show a consistent deterioration or breach the predefined thresholds.
– Key Roles Involved: Risk manager, finance team.
– Data Objects description: Historical financial data, liquidity ratios.
– Key metrics involved: Historical trends of liquidity ratios, predefined thresholds.
8. User Story: As a credit analyst, I want to be able to generate customized reports on a company’s liquidity ratios, so that I can communicate the credit assessment findings effectively to stakeholders.
– Precondition: The user has access to the company’s financial data and report generation tools.
– Post condition: The user generates customized reports on the company’s liquidity ratios.
– Potential business benefit: Improved communication of credit assessment findings, facilitating stakeholder decision-making.
– Processes impacted: Credit assessment process, reporting process.
– User Story description: The system should allow the user to select the desired liquidity ratios and generate customized reports. The user should be able to include visualizations, trend analysis, and benchmarking data in the reports. The reports should be exportable in various formats, such as PDF or Excel, for easy distribution to stakeholders.
– Key Roles Involved: Credit analyst, report designer.
– Data Objects description: Financial data, liquidity ratios, customized reports.
– Key metrics involved: Selected liquidity ratios, visualization options, report distribution.
9. User Story: As a credit manager, I want to be able to track the progress of credit decisions based on liquidity ratios, so that I can ensure timely completion of the credit evaluation process.
– Precondition: The user has access to the credit decision tracking system.
– Post condition: The user tracks the progress of credit decisions based on liquidity ratios.
– Potential business benefit: Improved efficiency in the credit evaluation process, reducing turnaround time.
– Processes impacted: Credit evaluation process, workflow management process.
– User Story description: The system should provide a centralized platform to track the progress of credit decisions based on liquidity ratios. The user should be able to assign tasks, set deadlines, and monitor the status of each credit evaluation. The system should also generate alerts for overdue tasks or bottlenecks in the process.
– Key Roles Involved: Credit manager, credit analysts.
– Data Objects description: Credit evaluation tasks, liquidity ratios, workflow status.
– Key metrics involved: Task completion time, workflow bottlenecks.
10. User Story: As a finance director, I want to have access to real-time liquidity ratio data across all subsidiaries and divisions of the company, so that I can make informed strategic decisions and allocate resources effectively.
– Precondition: The user has access to real-time financial data from all subsidiaries and divisions.
– Post condition: The user obtains real-time liquidity ratio data across all subsidiaries and divisions.
– Potential business benefit: Improved visibility and control over the company’s financial health, enabling strategic decision-making.
– Processes impacted: Financial reporting process, resource allocation process.
– User Story description: The system should integrate the financial data from all subsidiaries and divisions and calculate real-time liquidity ratios. The user should be able to access the ratios through a centralized dashboard, with the option to drill down into individual entities for more detailed analysis. The system should also provide visualization tools and benchmarking data to support decision-making.
– Key Roles Involved: Finance director, finance team.
– Data Objects description: Financial data of subsidiaries and divisions, real-time liquidity ratios.
– Key metrics involved: Real-time liquidity ratios, industry benchmarks.