Portfolio Analytics
The overall solution looks at evaluating the portfolio and coming up with the best approach to increase cash flow to respective trusts. ISGN works with industry experts on the initial loan level risk analysis and valuation of the expected cumulative loss.
We will initially update the data quality with current credit information, debt service, FICO scores, and AVM based CLTVs. With this updated data, we use a proprietary industry standard foreclosure and collateral behavior models to determine the expected loss of each loan. The loans with the highest expected loss are the loans best suited for loan modification with the expectation that loss sharing with the borrower will yield an improved net present value to the investor.
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