MDRM IQUser guide

User guide

15 pagesOne per row in the rail

The rail on the left is the whole product. This guide has a page for every row in it, written against what that surface does today — plus a tutorial to get you moving, the methodology behind the numbers, and a glossary. New here? Start with Getting started.

The rail opens with your own institution's Dashboard, then two chapters: Intelligence, and Exam Readiness — which is two rows, Prepare and Vault. The engine cockpit, the posture editor, the mock examiner, the procedure index, the obligation ledger, the inquiry register and the audit trail all still exist and are all still supported; they are reached from a panel, a tab, a facet or the command palette, and each is written up on the page for the row that is now the way in to it.

MDRM IQ is an informational and exam-preparation tool. It surfaces data, regulatory context and citations. It does not predict examination outcomes, assign ratings, or decide anything for you — every judgement in this guide is one you make.

Start here

Getting startedTutorialSign in, find your institution in the rail, read the eight domains, run the audit engine, and confirm your first obligation.

Your institution

DashboardHow-to + ExplanationYour own bank's home: who you are and how to update the figures, the next steps waiting on you, and one merged position summary you can print. Plus the Work ledger those next steps come from.

Intelligence

InstitutionHow-to + ReferenceThe eight analytical domains, the five-state vocabulary, the inspector, the period control, the readiness fold-in on your own bank, and the public profile of the same institution.Find & Compare BanksHow-toDraw a market on the map and read who is in it — then carry that same set of banks into a comparison table, a screen, or a pro forma combination, without losing the map.ComparisonHow-toThe active group as a table: members down the side, measures across the top, your institution held in place.ScreenerHow-toFind institutions by criteria, screen on what a group does NOT have, and turn a saved screen into a live group.Area Deposit MapHow-to + ExplanationDeposit volume by county from the FDIC Summary of Deposits, shaded by quantile of the counties in view. Zoom into a market for its ranked competitors, its concentration and the coverage behind both — with the branch-of-record caveat stated where the shading is.M&A workspaceHow-to + ExplanationTwo filed positions combined under stated assumptions, a buyer seat and a seller seat, deposit-market overlap and structural precedents. Never a pricing comp.ScenariosHow-to + ExplanationActions saved against your own filing, each one run again when you open it — the filing in the first column and up to four scenarios beside it, with CSV and print per scenario.MonitorHow-toThe watchlist and the multi-institution advisor portfolio — other people's banks, tracked over time.

Exam Readiness

PrepareHow-to + ExplanationThe preparation cockpit and its tabs — posture, the mock examiner, the exam binder and the procedure index — with the rule book behind the findings step and the artefacts that hang off a run.VaultHow-to + ExplanationThe hash-chained evidence store, and what the verify page proves about it.

Tools and account

SettingsHow-toYour account and institution, alert channels, seats and handoff, examiner guest access, and your own CAMELS ratings.

Reference

Where the numbers come fromExplanationThe sources, the supervisory CRE basis, the conjunctive 300%/50% test, CBLR handling, the two kinds of peer figure, and the informational-only boundary.Glossary and FAQReferencePlain-language definitions of the metrics and terms you will meet, the citations behind them, and the questions people ask most.

Not documented here

The Intelligence chapter carries one row the guide deliberately does not describe: Scenarios, which the rail marks In design. Scenario sets are not built, so there is nothing to explain and no page pretends otherwise. When they ship, they get a page here like everything else.