RC-Limit System
Underwriters check headroom before they write the business
The problem
Most limit systems report breaches. By then the exposure exists, the client has been told yes, and the conversation is about remediation rather than decision. Meanwhile the limits themselves live in a spreadsheet that one person maintains, and utilisation is whatever last night’s batch said it was. RC-Limit System is built ex-ante: the underwriter checks headroom before writing the business.
What it does
Ex-ante credit limit design, query and monitoring. Risk managers design the limits, underwriters check headroom in real time, analysts monitor utilisation — from simple country caps to limits built from filters and formulae.
Who uses it
Bank risk functions, Credit and political risk insurers, Multilateral development banks, Front-office and underwriting teams
What’s inside
Designing limitsApply to any field or combination · Simple caps to formula-based limits · Creation rules: one limit per counterparty, country or currency, generated for you · Breach bands such as 80%, 90% and 100%
OperatingPre-deal check: which limits a new deal touches, and the headroom left · Automatic utilisation update on portfolio change · Scheduled activation and deactivation · Temporary overrides with an expiry date
MonitoringCockpit, heatmap and headroom analytics · Top movers and breach analysis · Geographic map and drill-down history · Scheduled breach reports by e-mail or SMS
IntegrationREST web service · Excel upload and download · Capital-based limits from RC-Capital Model · Limit Designer in seven languages
What changes for your risk team
- Headroom checked before the business is written, not reported afterwards.
- Limits that bind on the capital a deal consumes, not only on its face value.
- Utilisation updated in real time or near-real time as the portfolio changes.
How it feeds the rest of the suite
- Front office: pre-deal headroom answers inside the systems officers already use
- Risk managers: scheduled breach reports and alerts by e-mail or SMS
- RC-Economic Capital System: limit summary in the capital dashboard
Papers built on this model
See RC-Limit System on your own data
A demo takes an hour. A pilot on your portfolio takes weeks, not quarters.