__STYLES__
To monitor and assess bank lending activities, a thorough bank loan analysis report was developed. The objective was to provide insights into key loan-related metrics and their changes over time, aiding data-driven decision-making, tracking loan portfolio health, and identifying trends for lending strategy.
Total Loan Applications: Compute the total number of loan applications received during a specific time period. Monitor changes on a month-to-date (MTD) and month-over-month (MoM) basis.
Total Funded Amount: Comprehend the total amount of funds disbursed as loans. Illustrate MTD and MoM changes.
Total Amount Received: Track the total amount received from borrowers to assess the bank's cash flow from repayments. Analyze MTD and MoM changes.
Average Interest Rate: Calculate the average interest rate across all loans. Monitor MTD and MoM variations to gain insights into the overall cost of the lending portfolio.
Average Debt-to-Income Ratio (DTI): Evaluate the average DTI for borrowers to gauge their financial health. Compute average DTI for all loans and analyze MTD and MoM changes.
Good Loan Application Percentage: Calculate the percentage of loan applications classified as good loans. This category encompasses loans with a fully paid status.
Good Loan Applications: Identify the total number of good loan applications.
Good Loan Funded Amount: Calculate the total funded amount in the good loan category.
Good Loan Total Received Amount: Identify the total received amount in the good loan category.
Bad Loan Application Percentage: Calculate the total bad loan percentage. This category encompasses charged-off loan status.
Bad Loan Applications: Identify the total number of bad loan applications.
Bad Loan Funded Amount: Identify the total bad loan funded amount.
Bad Loan Received Amount: Identify the total received amount via the bad loan category.
The dashboard will present crucial loan-related metrics and trends using various chart types to provide a clear and insightful view of lending operations.
Monthly Trends by Funded Amount: Use a line chart to visualize monthly trends in total loan applications and total funded amount. Employ the issue date as the x-axis.
Regional Analysis by State: Use a filled map to illustrate the regional distribution of funded amounts. Loan Term-Based Analysis: Use a donut chart to depict the proportion of short-term (36 months) and long-term (60 months) loans.
Funded Loan by Employee Length: Use a bar chart to demonstrate the total funded loan amount by employee length.
Total Loan Amount by Purpose: Use a bar chart to illustrate the total funded amount by purpose.
Utilize a table to present detailed information for each loan, including loan ID, customer name, gender, state, funded amount, received amount, grade, subgrade, and purpose.
Total Loan Applications:
▫ 66.38k total applications ▫ MTD: 2.54k applications ▫ MoM Growth: +5.05%
Total Funded Amount:
▫ $2.11 billion total funding ▫ MTD: $79.98 million ▫ MoM Changes: +4.75%
Total Received Amount:
$3 billion total received MTD: $115.11 million MoM Changes: +7.42%
Total Interest Amount:
▫ $890 million ▫ MTD: $35.13 million ▫ MoM Changes: +14.02%
Average Interest Rate:
▫ Overall: 10.11% ▫ MTD: 9.78%
Average Debt-to-Income Ratio (DTI):
▫ DTI: 1.24%
In addition, a detailed table breaks down loan types, funded amounts, total applications, and received amounts, providing specific insights into different loan statuses.
▫ Good Loan Percentage: 75.51% ▫ Good Loan Applications: 50,130 ▫ Good Loan Total Funded Amount: $1.57 billion ▫ Good Loan Received Amount: $2.24 billion
▫ Bad Loan Percentage: 24.49% ▫ Bad Loan Applications: 16,250 ▫ Bad Loan Funded Amount: $537.17 million ▫ Bad Loan Received Amount: $758.97 million
▫ Total Funded Amount by Month: The highest funded amount was in October, with approximately $800 million.
▫ Funded Amount by State: Texas had the highest funded and received amounts.
▫ Funded Amount by Term: Short-term loans (36 months) accounted for 58%, while long-term loans (60 months) held the remaining 42%.
▫ Funded Amount by Employee Length: Employees with 10+ years of experience received the highest funded amounts.
▫ Funded Amount by Purpose: Debt consolidation was the primary purpose for loans.
A table provides comprehensive details for each loan, including loan ID, customer name, gender, state, funded amount, received amount, grade, subgrade, and purpose. This information enables a granular understanding of the bank's lending portfolio.
If you find merit in my hard work and believe I'm eligible for a Power BI Developer or entry-level Data Analyst role, your support in finding opportunities would be greatly appreciated.
Dont Forget to follow me on LinkedIn
Presented by-Saddam Ansari @ Aspiring Data Analyst
Thank you❤.