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Collateral Values & LTV AnalysisUpdated collateral values are included with your subscription. We provide collateral valuation models (AVMs) for residential real estate, commercial real estate, automobiles, and other assets. LTV and Negative Equity calculations are seamlessly integrated.
Credit Risk & Risk RatingsAssess the level of credit risk on an individual borrower and on the portfolio level using our probability of default models and other risk rating/grading methods. Easily track trends and migrations.
Concentration Risk & Multi-Dimensional AnalysisSlice and dice your portfolio to manage concentration risk by geography, loan type, business type, risk ratings, and much more, including customized segmentation and multi-dimensional analysis.
Performance ReportingMonitor the performance of your portfolio for delinquency, charge-off, profitability, and general trends and conditions, including new production metrics and snapshot reporting (branches, loan officers, auto dealers, etc.)
Migration and TrendingEasily view how key metrics are migrating and trending over time.
Static Pool AnalysisIsolate and analyze pools of loans to track key performance metrics by cohort/static pool.
Will Student Loans be the Source of the Next Economic Crisis?
Much has been written in the popular press and within academic circles regarding the astonishing rise in Student loans over the past decade. Aggregate student loan balances stood at $639 Billion at the beginning of 2009. Over the past decade that number has more than doubled, standing at $1.442...
Understanding Calculation Settings—Original Credit Score Days Within
Visible Equity’s setting for Original Credit Score Days Within (which I’ll refer to more simply as “Days Within”) is not typically changed from the default setting. That may be because even the default setting can be a bit challenging to understand. This article will use an example to try and bre...
Understanding Calculation Settings—Primary Borrower and Credit Score Methods
Identifying the primary borrower on any loan can be a tricky task—but it doesn’t have to be. This blog post will provide examples to guide you to an understanding on how this is done exactly in the Visible Equity system.