IMRPOVE DECISIONING
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.
GAIN EFFICIENCY
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.
Superior
Intelligence
Intelligence
Credit model calibrated to capital market realities to ensure the true risk on your balance sheet is measured.
Superior
Analytics
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
Results
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
solutions to meet your
performance needs
TRENDING FEATURES
Benchmark.
Compare your portfolio to other institutions with metrics that cannot be obtained from CALL reports.
Portfolio rebalancing.
The THC Credit Risk Concentration tool guides rebalancing to mitigate credit risk.
Portfolio trends.
Identify loan trends, including FICO,LTV, and Credit Durations and Convexity.
Capacity identification.
Credit durations and convexity analytics allow you to understand the risk and capacity in your portfolio.
Pricing adjustments.
Understand the impact of credit risk on loan pricing with our Product Profitability application.
Certified.
The proprietary THC model is certified to accurately perform mandated regulatory analyses.
CECL.
Ensure consistency among accounting, underwriting and ALCO.
Stop gap.
Leverage our vast database to fill in data gaps as needed.