OPTIMIZE LOAN
STRUCTURE
Adjust your offer price and loan structure to dynamically analyze profitability and optimize risk-based pricing.
MAKE SMARTER
DECISIONS
Meet customer needs while maintaining ALCO performance requirements using loan specific provides rate forecast.
IMRPOVE
UNDERWRITING PRACTICES
Align rate/volume decisions with relative profitability analysis across your product line. Use CECL, benchmark THC research and loan desk pricing.
Superior
Intelligence
Credit model calibrated to capital market realities to ensure the true risk on your balance sheet is measured.
Superior
Analytics
Credit risk based on account level detail with option adjusted cashflows; customizable scenario analytics to determine the impact of credit in a stressed environment.
Superior
Results
The state-of-the- art financial models determine life of loan expected losses relating performance and risk for quality, objective decision making.
Solutions to address
your most pressing needs
in enhancing margin
TRENDING FEATURES
Product origination decisions.
Interactive rate sheet allows rate/structure modifications to see the impact on profitability.
ROE targets.
Dynamic simulation integrated with interactive rate sheet allows to adjust assumptions for tax, equity ratio and funding rate to determine the ROE of each origination.
Portfolio exposure.
Historical portfolio data trends allow to identify concentration and risk exposures.
Profitability on a Risk Adjusted Basis.
Interactive simulation provides Risk Adjusted Return on Capital for each product.
Individual product risk.
Risk-based profitability application provides interest rate and credit risk for each product.
Fund Transfer Pricing.
Measure the risk-adjusted profitability of each product in relation to the Treasury curve for the optimal funding strategy and profit contributions.
Credit risk measure.
Relate credit duration and convexity to local GDP and HPI by State and MSA.