Software aids bank tracking of credit data.

To help banks better evaluate the performance of their consumer credit scorecards and loan portfolios, Fair, Isaac & Co. has introduced Overview-PC.

The personal computer software from Fair Isaac, based in San Rafael, Calif., also uses the increasingly popular Windows operating system from Microsoft Corp.

Fair Isaac, which specializes in developing information management systems and predictive technology tools, was the first to market empirically derived models to assist credit granters in the functions of account acquisition, management, and collections.

With OverView-PC, a bank can quickly evaluate its loan portfolios from a number of perspectives, making it easier to identify segments of its customer base that present both opportunities and problems.

OverView-PC runs transparently in coordination with SAS, a statistical analysis software program often used by banks for large "number-crunching" tasks.

OverView-PC comes in two independent pieces. The OverView-PC Tracker component helps banks analyze scorecard performance by tracking the stability of their applicant population. It also monitors scorecard adherence and measures account performance by credit score.

The OverView-PC Explorer component builds on this by providing an reporting feature. OverView-PC Explorer, for example, can monitor portfolio performance over time, highlighting periods of peak profitability.

This component also enables a bank to create credit and demographic profiles of the most desirable accounts as well as generate customer lists for cross-selling programs. Reports can be output to a screen, printer, disk, or spreadsheet.

"With OverView-PC, an analyst can generate information on the fly. That way a bank or any other credit-granting institution is in a better position to control loss and enhance revenue," said Norm Lyons, product manager at Fair Isaac.

Ms. Sullivan is a freelance writer based in New York.

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