Climate Change Portfolio Risk

The Climate Change Loan Portfolio Risk Accelerator provides an overview of how the varying natural perils may affect properties in an organisation’s loan portfolio. Based on the results of varying scenarios/models, ranging from worst to best case, you can assess the risk that falls on certain geographical locations and property types.

Check out USEReady’s Caitlyn Garger explain why their team made it – and how you can use this as a starting point for analysis of your own business.

This dashboard is made using synthesised account portfolio and climate risk model data generated to mimic high-level trends and is intended to illustrate how even the simplest of applications of climate risk modelling against your organisation’s data can have a critical impact. Using Tableau to visualize where your portfolio is most at risk can equip you and your team with the tools you need to make better decisions.

When using this accelerator, please remember that this is just the tip of the iceberg. You can expand the scope of your analysis and dive deeper into key areas/metrics by incorporating more detailed data from climate risk data providers. Climate risk data analytics platforms provide granular climate-related data that includes details around even more natural perils, scenarios and risk ratings than displayed here in this dashboard, as well as forecasting out to future years.

Answer Key Business Questions

• What is the risk to our loan portfolio?
• Are there certain natural perils that bring about higher amounts of risk than others?
• Are certain geographical locations more at risk than others?
• What property types seem to be the most at risk based on geographical location?

Monitor and Improve KPIs

• Damage Amount
• Original Loan Amount
• Remaining Loan Amount

Required Data Attributes

• Loan ID (number)
• Status (string)
• Region (string)
• City (string)
• Postal Code (number)
• Original Loan Balance (number)
• Remaining Loan Balance (number)
• Scenario (string)
• Natural Peril (string)
• Risk Rating (number)
• Damage Amount (number)
• Country (string)
• State (string)
• Property Type (string)