GlobalVision Systems Solutions – Portfolio Manager ™

Portfolio Manager™A manager, who is in charge of the commercial loans department, has to focus on the total portfolio of the commercial loans. Similar situations apply to managers in charge of SBA loans, mortgage loans, construction loans, DDAs, CDs, savings, credit cards, debit cards, trade finance, factoring, etc. It is obvious that portfolio management is the most common task in financial institutions.

Though financial institutions have used computers to process their financial transactions for many years, there has been little attention given to the need of portfolio management. For example, a commercial loans manager may be interested in knowing that, for the total amount of commercial loans which are outstanding today, how much are secured with collateral, and how much are not secured. In addition, he/she may be interested in knowing that, for all the secured commercial loans, how much of them have real estate as collateral and how much have other kinds of collateral. Furthermore, for all the commercial loans that have real estate as collateral, how much of them are in San Francisco, Santa Barbara, Los Angeles, San Diego, etc., respectively. Moreover, for all the commercial loans in Los Angeles that have real estate as collateral, how much of them are secured with office buildings, factories, apartments, hotels, shopping centers, gas stations, etc., respectively.

Therefore, if the tourist industry is severely impaired due to the recent terrorist attack, the manager of commercial loans can immediately determine how much of the commercial loans in Los Angeles, using hotels as collateral, may face potential default risks and who these customers are, etc. He/she can take some immediate actions to minimize the negative impact. He/she can further diversify the portfolio of commercial loans to avoid long-term damage to the company.

There are many other similar issues related to the portfolio management of commercial loans. An experienced manager of commercial loans can easily point out many other concerns that need to be addressed. In principle, he/she needs a system to analyze the total portfolio from many different angles, and drill down to the ultimate details to identify who the customers are, and how to handle any issues, if they exist.

Similar scenarios apply to credit cards, trade finance, factoring, etc. Different managers of various departments may want to see their portfolios analyzed from different aspects. As a result, a financial institution may need many special portfolio management systems for different managers. It is certainly a very expensive and extremely difficult task to build these portfolio management systems one by one for these managers.

Portfolio Manager™ (US patent pending) has resolved this challenging issue. A user can use a special template to customize and construct his/her own unique portfolio for multidimensional analyses. The overall portfolio can be classified from many different angles. A user can pick any angle and drill down to find more details. Ultimately, a user can drill down to the customer details that are the basic element of the portfolio. As a result, a manager can easily manage his/her overall portfolio from the bottom line to eliminate all the potential risks and increase business profits.


Managers of financial institutions often need to analyze their overall portfolios based on “subjects” and “dimensions”. “Subjects” are financial figures such as total loans, total late payments, total interest earned, total fees earned, total income, total expenses, etc. “Dimensions” are different categories or angles, which managers use to analyze their portfolios. Some examples of “dimensions” are branch, officer, product, maturity, interest rate, purpose, time, etc. A manager of a financial institution often needs to analyze one “subject” from multiple “dimensions”. In addition, he/she may want to drill down along one dimension for several layers to find the causes that affect the bottom line of the subject. Therefore, the capability to perform multi-dimensional analysis with multiple-layer drill down is the basic need of these managers. Unfortunately, there is a technical barrier in meeting this need.

For example, if a financial institution is interested in analyzing 300 subjects based on 22 simple dimensions (i.e., “yes” or “no” choices), the total number of possible analyses that must be performed is 1,236,172,800 (i.e., 300 x 2 ^22). One can easily understand that there is no way for any financial institution to implement all these portfolio analyses for their managers because it will take thousands of engineers to do it for hundreds of years.

Portfolio Manager™ has successfully overcome this technical barrier. Instead of using human beings to perform the programming job, Portfolio Manager™ uses computers to write programs, which will construct the portfolio management system according to the specific “subjects” and “dimensions” that any managers of different departments will be able to have a unique portfolio management system that is customized exclusively to meet his/her specific need.

Portfolio Manager™ uses the advanced browser-based technology. A user can access Portfolio Manager™ through either the Internet or the Intranet. There is little need for user training or technical support. It is compatible with Windows, Unix, and Linux clients.


Portfolio Manager™ empowers any manager of a financial institution to effectively manage his/her unique portfolio through a customized portfolio management system. As a result, managers can eliminate risks, improve productivity and boost the profitability of the entire organization.