This article breaks down the difference between Screening, Decisioning, Moniroting and Alerting reports on Wiserfunding
Wiserfunding's Screening and Decisioning are two fundamentally different product types that serve different purposes;
Wiserfunding Screening reports offer a concise overview designed for initial assessments, giving users key insights into an SME’s financial health, creditworthiness, and environmental impact. These reports are useful when you need a quick, high-level view of potential risks.
Wiserfunding Decisioning reports provide a deeper, more thorough analysis, incorporating long-term financial data, risk pricing, and detailed governance structures. This makes them ideal for informed, final decision-making when a comprehensive understanding of the business is required.
Wiserfunding Monitoring when enabled, Wiserfunding automatically runs reports within a portfolio, at user-defined intervals (1, 3, 6, or 12 months), helping users stay up-to-date with ongoing changes in an SME’s financial health and risk profile. This ensures continuous oversight and proactive risk management.
Wiserfunding Alerting notifies users of changes in an SME’s Probability of Default (PD) or Z-score, within a portfolio, based on user-defined thresholds. When an alert is triggered, users can view the alert and generate an Alerting report for detailed insights.
Differences in what is available on a Wiserfunding Screening vs a Decisioning include:
| Wiserfunding Sourced Data | ||||
| Feature | Screening | Decisioning | Monitoring | Alerting |
| Icon/Logo of entity | ✔ | ✔ | ✔ | ✔ |
| Geographical co-ordinates and map of entity | ✔ | ✔ | ✔ | ✔ |
| Headline summary of Profit & Loss and Balance Sheet financial variables | ✔ | ✔ | ✔ | ✔ |
| SME Z-Score, Probability of Default (PD), Loss Given Default (LGD) | ✔ | ✔ | ✔ | ✔ |
| 5-10yr trend of SME Z-Score, Probability of Default, Loss Given Default | - | ✔ | ✔ | ✔ |
| Proposed Credit Limit for entity | ✔ | ✔ | ✔ | ✔ |
| Risk Based Pricing for providing credit | - | ✔ | - | ✔ |
| Bond Rating Equivalent for the entity | ✔ | ✔ | ✔ | ✔ |
| Risk Outlook for the entity | - | ✔ | - | ✔ |
| Data Reliability Index for the entity | ✔ | ✔ | ✔ | ✔ |
| Key Financial variables and ratios (inc 5-10yr trends) | - | ✔ | ✔ | ✔ |
| Headline summary of Corporate Governance Structures for the entity | - | ✔ | - | ✔ |
| Directors details (inc associated directorships in other entities) for the entity | - | ✔ | - | ✔ |
| Executive details for the entity | - | ✔ | - | ✔ |
| Shareholder details for the entity | - | ✔ | - | ✔ |
| Corporate Ownerships Structure (and Ultimate Beneficial Owner) details for the entity | - | ✔ | - | ✔ |
| Corporate Ownerships Structure (and Ultimate Beneficial Owner) details for the entity | - | ✔ | - | ✔ |
| Legal Event details for the last 10 years | - | ✔ | - | ✔ |
| Scraping of entity website for ESG activities and sector analysis | - | ✔ | - | ✔ |
| Environmental impact of the entity (inc Carbon Intensity Index, Heatwave and Flooding) | ✔ | ✔ | ✔ | ✔ |
| Highlights of any Politically Exposed Individuals (PEPs) of the entity | - | ✔ | - | ✔ |
| Macroeconomic analysis & trends for the entity country | - | ✔ | - | ✔ |
| News articles relevant to the entity | - | ✔ | - | ✔ |
If you have any further questions or face any issues, please contact our support team.