- Analytic Model
CFS Loan Risk Model
The CFS Loan Risk model measures the difference between the expected and actual payment behavior to create a near real time risk assessment of each collateralized loan.
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Most credit unions would agree that their mortgage products, when sold to members, are one of their “stickiest” relationship builders. In addition, the information collected on members to make closed end lending decisions is rich and valuable for cross selling other products and deepening relationships with members who choose the credit union for a mortgage. It is ironic, that the data from mortgage lending and servicing systems are often times isolated systems only utilized by the Mortgage department. CFS Insight’s Data Connectors ingest and harmonize the valuable mortgage origination and servicing data from popular mortgage lending and servicing platforms into the credit union’s data warehouse and strategy. This enables credit unions to complete the lending picture for its membership and provides for improved cross selling opportunities, member retention and strengthening of the lending portfolio composition toward the credit unions overall strategic mix of loan types.
The CFS Loan Risk model measures the difference between the expected and actual payment behavior to create a near real time risk assessment of each collateralized loan.
The CFS Loan Projection models utilizes the original loan terms along with the payment transactions to project the originally expected, actual and re-forecasted cash flows for the loan. This insightful data allows for more accurately projecting the expected revenue from the loan portfolio.
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