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.
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Application Analytics - Credit Score: Days Within
You asked, we listened; similar to the Original Credit Score: Days Within functionality that exists in Loan Analytics, we now have the functionality within Application Analytics as well. We have heard from many of you that the day you pull credit and the day the application is originated is not a...
FASB Votes to Delay CECL
The Financial Accounting Standards Board (FASB) voted this week to delay CECL’s effective date for most financial institutions until January 2023. The proposed changes are subject to a 30-day comment period after which the FASB will finalize its proposal. Assuming the proposal is finalized, th...
Visible Equity Acquired by nCino
I’m writing to share some exciting news with you. Earlier today, a press release was issued announcing Visible Equity’s acquisition by nCino, the worldwide leader in cloud-banking. This is a strategic acquisition that we believe is transformational...