Risk Loan Portfolio Watchlist
Project
Dynamic Risk Loan Portfolio Watchlist
Year
2026
The Mortgage Office lacked a proactive way to surface at-risk loans, forcing lenders to review portfolios loan by loan and often catch issues only after they occurred.
I designed a Portfolio Risk Watchlist that centralizes risk signals, highlights critical loans, and explains what’s driving their risk. Motion-based cards create visual distinction across the dashboard, increasing scanability by 20% and helping lenders spot critical portfolios faster.
Scope of Work
The Problem
Lenders were reacting to risk instead of getting ahead of it.
Risk signals were scattered across individual loan files with no portfolio-level view to connect them.
Open portfolio → Find loan → Check status → Repeat
This created unnecessary manual work, poor visibility across large portfolios, and a greater chance of catching risk after intervention was already needed.
The Solution
Make The Mortgage Office surface risk — not the lender.
I designed a centralized Portfolio Risk Watchlist that turns scattered risk signals into a prioritized, actionable watchlist.
See portfolio health — Motion-based cards visualize Critical, High, and Watch exposure, creating visual distinction and making risk faster to scan.
Prioritize risk — Sortable scores surface the loans needing attention first.
Understand why — Top Drivers explain what’s contributing to each score.
Stay connected — Risk context carries from the portfolio into individual loan servicing.
Designing the Experience
Defining Risk
Worked with product stakeholders to define the signals behind Critical, High, and Watch tiers.
Designing for Motion
Inspired by Apple’s storage breakdown, risk cards expand and contract to make portfolio health instantly scannable.
Designing the Full Workflow
Mapped zero, loading, and populated states so the experience stays clear at every stage.
Making Risk Explainable
Paired scores with Top Drivers and carried that context into individual loan servicing.
Intelligence Layer
The Risk Score shows where a loan stands — and where it may be headed.
Combining current loan health + predictive risk, the dashboard helps lenders identify problems before they become delinquencies.
01 — Current Risk
Flags loans already overdue or showing financial distress.
02 — Predictive Risk
Forecasts loans likely to reach 30+ days past due within 60 days.
03 — Explainable
Top Drivers show what’s contributing to each score.
04 — Always Current
A Last Scored timestamp shows when risk was most recently calculated.
From visibility → prediction → prevention
The foundation for TMO’s broader Risk Intelligence strategy.
Designing for What's Next
The Watchlist lays the foundation for a broader Risk Intelligence system — moving TMO from surfacing risk to helping lenders proactively intervene.
Today: Surface → Understand → Investigate
Future: Detect → Alert → Intervene
Future signals could incorporate payment behavior, reserves, delinquency, and borrower-level data to identify distressed loans earlier.
