Execute the risk logic built at origination. Every covenant, every EWI, every Risk Hypothesis becomes a live monitoring obligation. Deterioration triggers calibrated response. Calibrated response, not panic. Not ad-hoc workouts.
Five activities. Continuous through the life of the facility, with monthly desktop reviews and quarterly analytical sweeps. The output is an early warning that flags deterioration before it becomes a loss.
Every indicator traces to a hypothesis
Loan signals lifted to book-level patterns
Calibrated response, not panic
Inflows, outflows, reason codes tracked
Decision rights and escalation log
Monitoring is judgement, not data extraction. Seven signals from three live facilities. Classify each as noise, trend, or risk. Pick the Recovery Ladder rung. Q-Lana reveals the practitioner view after each one.
Seven signals from three live facilities. Classify each as noise, trend, or risk. Pick the Recovery Ladder rung. Q-Lana reveals the practitioner view after each one with reasoning and a cross-phase trace back to the originating hypothesis.
Launch the demo →Five tools turn live facilities into anticipatory action. Each is built from decades of advisory work where the workout always cost more than the warning. We help you pick the ones that fit your process.
Five-section template: client info, visit schedule, performance indicators with RAG coding, behavioral observations, action log. Every indicator traces back to a Phase 3 covenant or EWI.
View the toolExcel-based portfolio-level visibility. EWI Pressure Index. Watchlist inflows and outflows. Sector hotspots. Lifts loan-by-loan signals into book-level pattern recognition.
View the toolEight-section, one-page format. Forces the analyst to state the signal, classify noise vs. trend vs. risk, reference the Risk Hypothesis it touches, and recommend a Recovery Ladder rung.
View the toolFour-rung response framework: Green, Amber, Red, Special Servicing. Tabular CAP with owner, timeline, measure. Escalation Log with risk level and decision rights. Replaces ad-hoc workouts with proportionate response.
View the toolFive-layer review architecture: continuous event-based, monthly desktop, quarterly analytical, annual comprehensive, ad-hoc trigger. Each layer carries its own deliverable.
View the toolGood monitoring is calibrated response, not panic. Every signal is noise until proven otherwise, every breach has a defined rung, every escalation has an owner. When deterioration is caught early and handled by rule, there are no surprises at the committee table.
Christian Ruehmer, Co-Founder, Q-Lana
Every signal is noise until proven otherwise. Every covenant breach is calibrated. Every escalation has a defined rung and a defined owner. Monitoring is where the structuring discipline pays off, every week, every month, across the book. The work done at Phases 2 and 3 lives or dies here.
Forty-five minutes. We sit through your Monday watchlist meeting and show you which signals were noise, which were trend, and which would have triggered a Recovery Ladder rung.
Curated news with practitioner commentary. One Deep Dive in rotation. One applied tool. Read in fifteen minutes. Used the same week.