Softcredito | Credit reserve management

Improve the classification
of your wallet.

With softRESERVE we offer tools to calculate the risk in applications according to the CUB, optimizing your accounting and the creation of necessary reserves for contingency cases.

Manage risks and handle reserves

Our tool for risk management and credit reserve administration aligns with international banking methodologies, giving you access to greater financing opportunities.

RESERVES METHOD

The portfolio methodology aligned with sound practices allows the system to calculate the preventive reserve for each loan, following the Expected Credit Loss (ECL) model. This model is based on three key components:

Classification of loans by risk stages

This model classifies each loan into a risk stage. In accordance with the regulations of the circular, following IFRS 9 and the provisions of the CNBV (CUB Annex 33, B-6), loans are segmented into the following three stages based on their level of risk.

ACCOUNTING IMPACT

Accounting is optimized based on the risk stages according to regulations, automatically generating the necessary journal entries in accordance with the status of the application.