Accurately measure, manage and monitor your credit risk to identify ALM
performance strategies while
Connect ALCO, credit, lending, and accounting departments to expedite the decisioning process. Measure the expected life-of-loan credit loss, consistent with the capital market approach planning, financial statement simulations.
Intuitive and dynamic software allows you to spend less time preparing reserve calculations, and make use of our large database and peer group comparison.
ANALYZE RISK HOLISTICALLY
Integrated credit, interest rate and liquidity risks with comprehensive financial models and applications.
Credit model calibrated to capital market realities to ensure the true risk on your balance sheet is measured.
Credit risk based on account level detail with option adjusted cashflows; customizable scenario analytics to determine the impact of credit in a stressed environment.
The state-of-the- art financial models determine life of loan expected losses relating performance and risk for quality, objective decision making.
Flexible and scalable solutions to meet your performance needs
Compare your portfolio to other institutions with metrics that cannot be obtained from CALL reports.
The THC Credit Risk Concentration tool guides rebalancing to mitigate credit risk.
Identify loan trends, including FICO,LTV, and Credit Durations and Convexity.
Credit durations and convexity analytics allow you to understand the risk and capacity in your portfolio.
Understand the impact of credit risk on loan pricing with our Product Profitability application.
The proprietary THC model is certified to accurately perform mandated regulatory analyses.
Ensure consistency among accounting, underwriting and ALCO.
Leverage our vast database to fill in data gaps as needed.