Advanced Profitability Analysis*Model cash flows and profitability, incorporating amortizing and other fees, probability of default, and probability of prepay.
Stress TestShock 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.
OptimizationOptimize your loan portfolio for profitability using our advanced optimization models and what-if analysis tools.
- *Contact Visible Equity for current availability
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.