Risk Management Case Study: Applications in Consumer Risk Management Using Javelin Whole Loan (JWL) Platform by a Large Credit Union

Client’s Challenge

  • Significant growth over the last few years by a large credit union had outstripped the company’s risk management limited analytic capabilities for understanding changes in the quality of loan originations and their portfolio performance.
  • Bank management was searching for a full service set of analytic tools that could evaluate credit and prepayment risk of various types of consumer assets at the loan level over the loan lifecycle.

Our Solution

  • The Javelin Whole Loan (JWL) Platform was selected by the risk management team to be the analytic backbone for risk analysis at the credit union.
  • The FBA team worked with the credit union’s risk staff to set up JWL for use in assessing ongoing changes in origination credit quality, pricing and execution analysis with large aggregators of assets such as mortgages,develop portfolio loss projections, loan loss reserving, economic capital views and stress test analysis.
  • The JWL Platform was also leveraged to establish and monitor portfolio concentration limits along key userdefined risk attributes.
  • The JWL dashboard and reporting tools were leveraged for a range of standard and ad hoc reporting requirements for the company.


  • The JWL Platform provided the credit union with a consistent view of credit exposure across the loan life cycle, thus eliminating the need for time consuming work to align analytic views.
  • The use of JWL has enabled the bank to investigate other consumer loan products and prudently expand the credit box for the firm in a manner consistent with its risk appetite.