Our web-based software application is used by Analysts, CFOs, Chief Lending Officers, and Lenders to identify, measure, and monitor the risks and opportunities in their loan portfolios.Schedule A Demo
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.
Creative Metrics Encompassing Financial Health
I owe it to my primary financial institution for helping guide me through the highs and lows of my financial journey. When I was fresh out of college they helped me set up a sustainable plan to tackle mounds of student loan debt, they assisted me and my husband when we bought our first home toget...
9002? 9003? Let’s talk weird credit scores.
Why is my credit score above 9000? Does that mean that I’m reeeally good with my credit activity? Well, no—it doesn’t mean that at all, actually. But on the other hand, it may not mean that you’re bad with your credit activity either. Regardless, a lot of us have the same questions, and the answe...
On Predicting Mortgage Defaults
Happy daylight-savings week everybody! Hopefully you’ve managed to catch up on that lost hour of sleep and are all ready for some light reading about credit risk. With many of you making nice progress on your CECL implementation, we have noticed the dialogue gradually shifting away from theory...