Most clients upload data to our site on a monthly basis at month end. Upon data upload some data is available immediately other data takes a few hours or longer to calculate, depending on the size and format of the files loaded. Once data is in the Visible Equity System it is actively recalculated to ensure collateral values are up to date and all data is matched appropriately.
Powerful software to help banks, credit unions, and finance companies better analyze data, meet regulatory expectations, and make data-driven decisions.Schedule A Demo
Allowance for Expected Credit Loss (ALLL / CECL)
Fair Lending Analytics
Customer / Marketing Analytics
- TOP 10 LOAN REPORTS YOU CAN'T LIVE WITHOUT
- A CELEBRATION OF VINTAGE
- STATE OF THE CREDIT UNION ADDRESS - SCORECARD REVIEW
- HOW TO BACKTEST FOR CECL
- Preparing For A Regulatory Exam
- Why It Is Essential To Have All Your Analytics Data In One Platform
- A New Approach To Testing
- Steering And The Steering Ratio
- A Study On Successful Credit Unions
- Residential Real Estate Valuations
- CECL Primer
- Loan Portfolio Optimizer
- Upload data through a secure connection in your browser.
- We can set up a secure connection for you through FTP.
- We also work with many third parties that supply us your data directly.
We work with any delimited file format, or in other words, any file that can be read by Microsoft Excel. Typically this is any delimited file format (CSV, Pipe Delimited, Tab Delimited, etc.). Our preferred file format is tab delimited text file.
Yes, we can value your homes, automobiles, commercial properties, etc. In the demo you will learn specifics on how we value each asset class.
Our typical implementation process is 60-90 days.
Our implementation team will work closely with you in determining which data fields are meaningful, but in general we need data on the loan attributes, application data, borrower characteristics, and collateral, if applicable.
We charge a one-time setup fee and a monthly licensing fee, based on the asset size of your institution and the modules you subscribe to. There are no additional reporting, user, maintenance, or any other nickel-and-diming fees.
You can have as many users as you would like. You can also designate one or more users as an admin, which provides them with additional functionality. You can also designate a user as an upload data only user, which allows for the user to upload data, but not view any analysis.
Yes, please view our Products pages to read about each one.
We do not create “credit scores”, but can either take credit scores directly from you or we can work with you and one of the major credit reporting agencies to select appropriate scores and attributes.
Visible Equity is SOC2 Type 2 Certified on an annual basis and can provide you the reports. However, Visible Equity goes well beyond the SOC2 requirements in protecting your data and our company. One of our basic beliefs is, "Data Security is Oxygen". We go to great lengths to protect data; from technology applications (24/7 IDS suites) to the employee level training on data security - we are glad to discuss with you and provide evidence for any questions that you may have around our data security posture.
Application Analytics - Credit Score: Days Within
You asked, we listened; similar to the Original Credit Score: Days Within functionality that exists in Loan Analytics, we now have the functionality within Application Analytics as well. We have heard from many of you that the day you pull credit and the day the application is originated is not a...
FASB Votes to Delay CECL
The Financial Accounting Standards Board (FASB) voted this week to delay CECL’s effective date for most financial institutions until January 2023. The proposed changes are subject to a 30-day comment period after which the FASB will finalize its proposal. Assuming the proposal is finalized, th...
Visible Equity Acquired by nCino
I’m writing to share some exciting news with you. Earlier today, a press release was issued announcing Visible Equity’s acquisition by nCino, the worldwide leader in cloud-banking. This is a strategic acquisition that we believe is transformational...