Understand where risk is clustering in your book
Concentration risk is one of the most dangerous exposures in lending—a single sector downturn or obligor default can cascade through an entire book.
Portfolio Concentration Review
Weekly analysis • 3 limits approaching threshold
Built for risk leaders
who demand complete visibility
Concentration risk is one of the most dangerous exposures in lending—a single sector downturn or obligor default can cascade through an entire book.
Chief Risk Officers
Portfolio-wide oversight
Risk Managers
Risk assessment & mitigation
Relationship Managers
Actionable client conversations
Collections Teams
Better timing & prioritization
From alert to action in minutes
The objective of this agent is to reduce concentration risk and maintain policy compliance.
The Trigger
You define when the agent should activate. When conditions are met, it starts working automatically.
- Weekly schedule: Every Monday at 6:00 AM, before the risk committee meets
- Month-end cycle: First business day of each month for regulatory reporting alignment
- Post-booking trigger: After large transactions close that materially change exposure
360° View
The agent opens a tailored dashboard consolidating data from all your systems.
- Total portfolio exposure by drawn amount, committed amount, and expected loss
- Sector concentration table showing exposure by NAICS/SIC code with policy limit utilization
- Geographic heatmap displaying exposure by country, region, or economic zone
Automated Analysis
The agent follows a structured analysis flow, combining checks with exploratory reasoning.
- Policy limit scan: Checks each sector, geography, and rating band against defined limits, flagging any above 80% utilization with distance-to-breach calculations.
- Single-name review: Identifies obligors approaching or exceeding individual exposure limits, calculating the specific amount of reduction needed.
- Correlation analysis: Examines whether concentrated sectors share common risk factors (e.g., oil price sensitivity, interest rate exposure) that compound concentration risk.
Actionable Output
After analysis, the agent creates a human-friendly report with everything your team needs.
- Executive summary: One-paragraph overview of portfolio concentration health with material changes since last review
- Limit breach alerts: Any segments at or above policy limits requiring immediate action
- Watch list: Segments between 80-100% of limits with projected time to breach
Delivery
Reports are sent automatically via email or accessed directly in Veezoo.
Key benefits for risk teams
Concrete, measurable value for your team from day one
Faster concentration visibility
Before: 2-3 days to compile exposure data across systems manually. Now: complete portfolio view refreshed weekly in minutes.
Earlier limit breach detection
Identify segments approaching thresholds weeks before breaches occur, allowing proactive management rather than reactive remediation.
Consistent monitoring cadence
Automated weekly runs ensure concentration is reviewed every period, regardless of team workload or competing priorities.
Up and runningin production in weeks
To deploy this Agent, you connect Veezoo to your existing Data Warehouse, typically containing data from:
Ready to explore Portfolio Concentration Review?
Fully customizable to your workflows, data sources, and business requirements.
Typical initial implementation in weeks, not months.