SmartHelping / Lending & Portfolio Analytics / Excel
Loan Portfolio Analysis
Turn your loan tape into a clear view of portfolio mix, origination trends, interest rates, projected receipts, and defaults. Use the Excel dashboard, monthly analysis, and risk-rating cohorts to review the loans behind your portfolio.
Immediate download after purchase. By purchasing, you agree to the Terms of Service.
See the template in action
Follow the loan data into the dashboard and analysis.
Watch the walkthrough to see the input structure and portfolio views. Open the screenshots to review the workbook before purchasing.
What the template includes
A focused view of the loans, rates, and cash flows.
Bring loan-level data into a structured Excel analysis and review the patterns behind the portfolio totals.
Start with your portfolio data
Enter your loan tape data into the template's input structure to support the dashboard, calculations, and portfolio analysis.
Review the portfolio at a glance
Use the dynamic dashboard to review a summary of the portfolio based on the data entered in the workbook.
Analyze the distribution of credit risk
Group loans by risk rating and examine the distribution and characteristics of the portfolio's risk categories.
Track loan counts and average amounts
Review monthly loan counts and average loan amounts to see how origination activity changes over time.
Follow the portfolio's interest-rate profile
Review the calculated weighted average interest rate over time as part of your analysis of the portfolio's lending economics.
Project principal and interest cash flows
Use the forecast of future principal and interest receipts to support cash flow and liquidity planning.
Keep default trends visible
Review default rates and trends within the portfolio to identify areas that need further investigation.
Make the analysis easier to communicate
Use the included graphs and charts to discuss portfolio trends and explain the results of the analysis.
A framework for the portfolio review
Read the portfolio from four useful angles.
Combine the snapshot, cohort, monthly, and cash flow views to give the review more context than a single portfolio total.
Portfolio mix
Use the risk-rating cohorts to see how loans are distributed across risk categories and identify concentrations worth discussing.
Origination trends
Compare monthly loan counts and average loan amounts to understand how the size and pace of new lending have changed.
Rates and receipts
Review weighted average interest rates alongside projected principal and interest receipts when discussing portfolio income and liquidity.
Credit performance
Monitor default trends and use the results to prioritize follow-up analysis of the underlying loans and risk categories.
How to use it
Move from loan tape to a structured portfolio review.
Prepare the loan tape
Gather the portfolio records and review the template's input layout using the walkthrough and screenshots.
Enter the data and check the summary
Populate the input structure and review the dashboard. Check that the entered records and resulting totals reflect the portfolio you intend to analyze.
Review the cohorts and monthly trends
Examine the risk-rating groups, loan counts, average loan amounts, and weighted average interest rates.
Assess receipts and defaults
Review projected principal and interest receipts, inspect default trends, and use the charts to communicate the findings.
Who gets value from it
For teams working with loan portfolio data.
Lenders and portfolio managers
Review the composition of the loan book, origination trends, rates, and projected receipts.
Credit and risk analysts
Examine risk-rating cohorts and default trends to focus further portfolio analysis.
Finance and treasury teams
Use projected principal and interest receipts to support discussions about future cash flows and liquidity.
Advisors and financial analysts
Bring loan data into a repeatable Excel framework and communicate the results through dashboards and charts.
Also available in these bundles
Need more lending or reporting tools?
The Loan Portfolio Analysis template is included in the Lending Models, KPI Dashboards, and Accounting Tools collections.
Lending Models
Explore financial models for lending businesses, loan analysis, and related financing structures.
View the Lending bundleKPI Dashboards
Explore spreadsheet dashboards for tracking business metrics and operating performance.
View the KPI Dashboard bundleAccounting Tools
Explore spreadsheets for accounting, financial analysis, and business reporting.
View the Accounting bundleRelated lending and analysis templates
Explore the decisions around the loan portfolio.
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Explore a cohort-based approach to historical customer data analysis.
Explore the cohort analysis templateQuestions before you buy
A few useful details.
What data does the template use?
The template is designed for loan tape data entered into its input structure. Review the walkthrough and screenshots to check the layout against the portfolio records you have available.
How does the cohort analysis group the loans?
Loans are grouped by risk rating so you can examine the distribution and characteristics of the risk categories in the portfolio.
What can I review in the monthly analysis?
The monthly view includes loan counts and average loan amounts to help you follow origination trends. The template also tracks the weighted average interest rate over time.
Does it project future cash receipts?
Yes. The template forecasts future principal and interest receipts to support portfolio cash flow analysis and liquidity planning.
Can I monitor defaults?
Yes. Default tracking is included so you can review default rates and trends within the portfolio.
Can I tailor the template to my reporting needs?
The Excel template is designed to be customizable. Use the walkthrough and screenshots to assess how its structure fits your portfolio and the analysis you want to produce.
Is the template included in a bundle?
Yes. It is included in the Lending Models, KPI Dashboards, and Accounting Tools bundles linked above.
Bring the loan data into focus
Make the next portfolio review easier to explain.
Get the Excel template for loan tape analysis, risk-rating cohorts, monthly trends, projected principal and interest receipts, and default monitoring. One-time purchase for $75.
