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Services

Loan Analytics and Pricing System

  • LAPS is a complete loan level model and pricing system that covers projection, cash flow, validation, and model calibration. It supports valuation for both collateral and security.
  • LAPS is flexible enough for clients to customize the models provided by LAPS, or to incorporate their own models.
  • LAPS provides a complete yet a simple solution for compliance in loss projection and reserve calculation, i.e. CECL. The scenario management and documentation functionalities are natural components of the system.
  • LAPS readily supports trading, risk management and asset management.

Asset Valuation

  • Fact based methodology that are driven by
    1. Data – Past performance data, industry data, and economic data
    2. Assumption – Well thought out and client approved assumptions
    3. Scenario – Based on historical variance and/or rating agency’s recommendation
  • Valuation would also include performance monitoring and peer comparison.
  • Valuation report can be provided as frequent as monthly.

Advisory

  • FINTECH and New Lending Platform
    1. Big Data and Credit Risk
    2. System Architecture
    3. Global Optimization – A Holistic Approach
  • Funding and Investment
    1. IPO, SPAC and PIPEs
    2. Commercial Real Estate Loan and Security
    3. M&A

Risk Management and Compliance

  • Portfolio risk assessment/Risk factor analysis
  • Regional economic risk assessment
  • Assistance with strategies to manage production risk, servicing risk, pricing risk, and compliance risk. Help identify the most alarming and valuable areas and recommend solutions
  • Prepare reports and documents for compliance