The Stratification Table provides users with a detailed understanding of the makeup of various asset characteristics within the Portfolio, as well as how that collateral is concentrated among customizable Bucket characteristics.  

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Detailed Functionality Description:

The data for the Stratification Table will come from the deal or PDS Link selected within the Portfolio/General tab or under the Benchmarks tab.  

 

To create a Stratification Table:

  • Add a widget via the blue "+" button in the Reports Tab.
  • Select Stratification Table from the options.

Step 1: Select Data Sources

  • Choose a data source, either the PDS link selected for the deal, or a Benchmark the user may have previously created in the Benchmark builder

Step 2: Select a set of dates

  • Users can select multiple periods to compare within the table
  • When users choose an intelligent selection such as Last Available and Prior Month, the dates will automatically “roll” as new data is updated
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Data As of Date(s) options:

  1. Specific available date
  2. Initial Period Date
  3. Current Period Date
  4. Prior Month
  5. Prior Quarter
  6. Prior Year
  7. Last Day of Last Month - renders the last calendar day of last Month 
  8. Last Day of Last Week - renders the Sunday of the last week 

Step 3: Set up Buckets

  • Selecting a bucket will allow the user to aggregate data by the chosen asset characteristic. Users can select a specific bucket, such as a state, or a Range, such as all FICO scores between 500 and 600 
  • The user can see detailed instructions on setting up single or multiple Buckets based on asset characteristics.
  • Some options allow users to set up automatic Buckets for text or numeric data fields. By default, users are shown options to create Buckets based on the values of the data set, but users also can create custom Buckets.
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Step 4: Select table options for sub-totals and display data outside the selected buckets. The best option for users is to start with the options selected and reduce data in the table to meet their display needs.  

Table Options: 

  • Portfolio Total

The Portfolio Total aggregates all the data for the pool of assets selected, including assets with blank/missing characteristics.

Example: If a user selects the data field State for buckets and aggregated Outstanding Balance for this bucket, assets missing a state value Blank but still having an Outstanding Balance will be included in the Portfolio Total

  • Show Sub-Totals and Table Totals:

Sub-totals and Table Totals will aggregate data for Buckets displayed in the table. If data is excluded from the table, it will not be included in the sub-total or table total.

Example: If the user selected the data field State and Buckets for AZ and OH, the total for this group only includes the two states' values.  

If the user displays the optional (described below) Blank grouping and No-Group grouping, the total will display the total for the entire pool because all assets are being accounted for.  

  • Create a Blank Bucket:

When Creating a Blank Bucket all assets that are missing a value for the selected data field will be grouped into a single bucket.

Example: if the user selected the data field State for Buckets, but an asset was missing a state identifier and had a blank in the database, the user will still receive the value for the aggregation field/descriptive metric selected.

  • Create a No Group Bucket for out of Range Values:

No Group Bucket for Range Values will group all the assets outside the buckets defined by the user.

Example: If the user has assets in AZ, OH, NY and FL. The user can choose only to display AZ and OH in the table. Selecting this option will create a group that automatically includes assets in NY and FL, and will aggregate the descriptive metrics for these assets.

 

Step 4: Choose if the Stratification Table will display the metrics in column or row formatting.  

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Step 5: Configure Descriptive Data Columns. After creating the buckets for the table, the user can choose which data to aggregate for each Bucket. These will display as columns in  the table.

  • Table Column Position: this determines where the column appears in the table, from left to right (1 being the furthest position to the left). 
  • Column Data Field: Select which field to analyze in this column. Example: If users want to see in a given column how the Outstanding Balance of a collateral pool is broken down by Bucket, select Outstanding Balance.
  • Table Column Metric: Here the user can choose which function to use on the specific data field for this column. Example: Users can see the Sum, Count, Min, Max, Average, or Percent of the column.  
  • Dependent Data Field: If the user is performing a Weighted Average Calculation in the previous step, the user can choose the basis upon which the Weighted Average Calculation will be made.  
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Step 5: Selecting Finish will run the table.

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