Current Market Value on Collateralized Assets
- Mortgage Collateral Value
- Auto Collateral Value
- Commercial Collateral Value
- Business Collateral Value
Collateral Value and Borrower Credit Risk Analysis
Our valuation models provide accurate, current valuations of your loan collateral. These valuations, combined with our risk analytics, allow you to quantify the risk exposure in your residential real estate, business, and consumer loan portfolios. You are able to quickly see loan payments that are set to increase and constantly monitor loan balances that are near or exceed the market value of the collateral. Silverback Loan Portfolio Analytics continually evaluates those loans that have high risk or high combined loan to value (CLTV) such as: Home Equity Lines of Credit (HELOC), Indirect Loans, Interest Only Loans, Stated Income Loans, Sub-Prime/Low FICO Loans, and 2nd Trust Deed Loans behind non-traditional 1st Trust Deeds. As you track the values of the collateral you are also able to track the financial circumstances of your borrowers through current credit scores, credit score migration, and probability of delinquency. This combined analysis allows you to reduce or cancel HELOC Loans, credit cards, or other revolving lines of credit for those members that will be unable to fulfill their payment obligations or to change your lending policies based on newly identified trends in your data.
