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THC Solutions Product Profitability
Optimize your product structure to enhance profitability
and customer relationships
Adjust your offer price and loan structure to dynamically analyze profitability and optimize risk-based pricing.
Meet customer needs while maintaining ALCO performance requirements using loan specific provides rate forecast.
Align rate/volume decisions with relative profitability analysis across your product line. Use CECL, benchmark THC research and loan desk pricing.
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.
Solutions to address
your most pressing needs
in enhancing margin
Product origination decisions.
Interactive rate sheet allows rate/structure modifications to see the impact on profitability.
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.
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.