Credit Risk Dashboard – Visualize loan performance, delinquency trends, and credit score distributions to assess lending risk

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How to Create a Credit Risk Dashboard in SAS Visual Analytics

Objective: Visualize loan performance, delinquency trends, and credit score distributions to assess lending risk.

 

Step 1: Load and Prepare Data

1. Access SAS Visual Analytics

• Log in to SAS Viya 
• Open SAS Visual Analytics (Explore and Visualize)

2. Click New report

3. Load Data in CAS

• Import loan data from SAS Data Sets or Excel.

• Ensure key fields are included:

• Loan ID, Customer ID
• Loan Amount, Interest Rate

• Credit Score, Payment History

• Delinquency Status (Current, 30-60-90 Days Late)
• Region (Or other geography data item)

4. Prepare data for dashboard

• Create calculated data item(s)
  • Delinquency Rate = Late Payments / Total Loans
• Apply data source filter to focus on active loans
  • SAS Documentation:  About Data Source Filters

 

Step 2: Build the Dashboard Layout

1. Add key visuals:

• Loan Performance Summary (KPIs)
• Add a Key value objects to the report canvas for each measure
  • Total Loan Portfolio
  • % of Delinquent Loans
  • Average Credit Score
• Delinquency Trend Analysis
• Add a Line chart to the report canvas

• X-Axis: Time (Months/Years)
• Y-Axis: % Delinquent Loans

• Credit Score Distribution
• Add either a Histogram or Box plot to the report canvas

• Bins: Credit Score Ranges (300-850)
• Frequency of Borrowers per Range

• Geospatial Loan Risk Map (Optional)
• Add a Geo Map to display high-risk loan areas.

Step 3: Customize and Apply Filters

1. Prompt the user for the following: Loan Type, Region, and Delinquency Status

• Use Control Objects to prompt the user
• SAS Documentation: Working with Controls

2. Apply Conditional Formatting – Highlight high-risk segments:

• Use Display Rules for conditional formatting
  • Red for delinquent loans above 90 days
  • Green for loans in good standing.
• SAS Documentation: Working with Display Rules
• Blogs:
  • Report - Level
  • Table - Level
  • Graph - Level
  • Gauge - Level

3. Add Interactivity

• Configure Filter Actions
  • Allow users to click on a segment (e.g., loan type) to update all visuals dynamically.
• SAS Documentation: Working with Report Actions and Links
• Blogs: SAS Visual Analytics: Automatic Actions: a three-part series
• YouTube:  SAS Demo | Use Automatic Actions in SAS Visual Analytics for Fast Data Exploration

 

Step 4: Save and Share

1. Save report.
2. Share report to risk analysis and compliance teams via:
   • Copy link to report to access with SAS Viya.
   • Export PDF for a static copy for distribution.
   • Imbed report or report elements in Microsoft Excel with SAS for Microsoft 365 with the ability to refresh data from SAS Viya.

Outcome: A dynamic, interactive dashboard providing real-time insights into credit risk trends, allowing for proactive risk management and data-driven lending decisions.