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Portfolio Analysis & Monitoring

Are you actively monitoring your portfolio and renewals? Do you have a consistent view of your book of business?.

Risk Assessment

You need to understand the level of risk which you are exposed to within your portfolio. A portfolio analysis helps you identify loans that might be at higher risk of default because of changing market conditions, economic fluctuations, climate risks, and other factors. By singling out troubled areas, you can proactively take steps to mitigate these risks and minimize any potential losses.

Market Insights

Gain insights into market trends and conditions by analyzing various attributes of the properties in your portfolio. This information can guide your lending strategies and inform decisions on interest rates, underwriting criteria, and mortgage loan terms. Stay ahead of the competition, monitor positive and adverse influences and seize opportunities that can give you an edge in this fast-paced industry.

Strategic Planning & decision support

Comprehensive portfolio analysis insights inform strategic planning decisions which allow you to identify areas of growth, assess your competitive market position and align your lending practices with long-term business goals. Ultimately, it empowers you to make informed decisions around risk management, loan restructuring and overall portfolio management.

Stress Testing

Since the changes to the Office of the Superintendent of Financial Institutions (OSFI) B-20 regulations came into effect, Lenders must apply a stress test. They also need to instill rigorous compliance measures to safeguard their mortgage underwriting and have a more dynamic view of their mortgage portfolio. Know Your Customer (KYC) and B-20 regulations force lenders to complete a mortgage portfolio health check by combining internal and external data points to ensure the major components of a real estate transaction are not only verified, but also maintained to reduce risk.

Client Relationship Management

More than ever before, customer experience is becoming a make or break across organizations. Portfolio analysis provides valuable insights into the financial health of borrowers. Offer accurate and timely information to your clients, answer questions regarding property values and provide insights into market trends. This transparency builds trust and strengthens customer relationships leading to increased customer satisfaction and loyalty.

Customer Retention & Cross Selling Opportunities

In today’s ever changing rate environment, homeowners are looking for the next best rate with less volatility and flexibility. Monitoring your portfolio gives you the opportunity to get involved earlier and keep those customers on your book.