Concentration risk shouldn't be discovered in a spreadsheet.

Elevations has it covered. Layer by layer.

Every loan has its own limits. The question every lender eventually asks is the one no single loan can answer: how much are we exposed to in total?

Exposure groups answer it. Group loans however it makes sense to you, whether by borrower and connected companies, by sponsor, or by region, and Elevations tracks the aggregate exposure across them. A lender can make whatever group they want.

Limits can be set on three measures: facility, drawn and balance. Each is optional, so a group caps only what you want it to cap.

Groups nest. A group can sit inside a parent group, at as many levels as you need, and the totals roll up through every one. When a loan's balance moves, its group's position moves with it, and so does the group above that.

Nobody refreshes a spreadsheet. When a group newly crosses one of its limits, or comes back under it, Elevations raises a notification so someone reviews it. It does that once, on the change, not repeatedly while the breach continues.

That's a prompt for a person, not a hard stop on a drawdown. The judgement stays with your credit team. What changes is that they're told when it matters, instead of finding out afterwards.

And as with everything in Elevations, a loan is linked to its group, not hard-wired to it. Linking or unlinking a loan is all it takes to regroup it.