Advanced Loan Analytics

Advanced Loan Analytics allows users to stress test and optimize their portfolios, as well as access tools to help price for risk.

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Overview
Overview
Advanced Loan Analytics entered the scene when a client asked us, “What should my portfolio look like?” We took this challenge seriously and built a mathematical answer that became our portfolio optimization tool. Since then, we have added several advanced point solutions, such as CRE stress testing, advanced profitability modeling, and more.

Features
Features

  • Advanced Profitability Analysis*
    Model cash flows and profitability, incorporating amortizing and other fees, probability of default, and probability of prepay.
  • Stress Test
    Shock your portfolio for changes in collateral values, interest rates, credit scores, macroeconomic factors, commercial real estate fundamentals, etc. to see the likely impact to your portfolio.
  • Credit Limit Advisor*
    Use our credit limit optimization models to help guide your decisions on managing lines of credit.
  • Risk Based Pricing*
    Don’t avoid risk altogether, price for it! Use our risk based pricing tools to help guide your pricing sheets, or even better - price each individual application.
  • Optimization
    Optimize your loan portfolio for profitability using our advanced optimization models and what-if analysis tools.
  • *Contact Visible Equity for current availability
Solutions
Data Warehousing
Store and manage all your data in one location. Data warehousing is the first pillar of our platform. We aggregate data from your core processor, third party processors, loan origination software, even your spreadsheets into our secure data warehouse. You get an unlimited amount of storage, access to your data 24/7, and unlimited users, queries, exports.
Analytics
We make state-of-the-art analytics easy, affordable, and accessible for banks, credit unions, and financial institutions of all shapes and sizes. Powerful analytics is the second pillar of our platform. We infuse your data with our advanced analytics to create the perfect recipe for analytic success! Whether you are analyzing risk, estimating losses, or looking for predictive marketing, we are committed to our goal of using analytics to help our clients make better, data-driven decisions.
Reporting & Visualization Software
Create actionable dashboards and custom reports. Once we have your data and we infuse our data and analytics, we’re ready to create some amazing reports with the third pillar of our platform - reporting software. Our software allows you to easily create and save lists, filters, and actionable dashboards and reports to help better understand and communicate key results. We work hard to make our reports be insightful and look professional. The software is available 24/7 with no per user, per report, or per anything fees.
"Visible Equity is one of our trusted partners. They consistently exceed our service expectations while providing a comprehensive and user friendly platform to use for our analytics."
John Strauch
Loan Administration Manager at Pacific Crest FCU
"Thank you to the Visible Equity team! They are a valued partner to our Credit Union. Their analytics are topnotch and their client teams are so user friendly. We are increasing our utilization of their products as compliance requirements are increasing. Highly recommend!"
Carl Roer
CEO at Cascade FCU
Advanced Loan Analytics
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