Reporting and analytics for loan portfolio, production, and surveillance. Mosaic stores and maintains historic risk-runs providing the ability to trends risk and performance attributes. Mosaic covers CECL requirements with multiple economic scenarios, unique institutional factors and external inputs to provide expected loss at the loan level.
Forward-looking process using a regression analysis on several variables at the loan-level, borrower-level, collateral-level, institution-level, and micro & macro economic information. Loan level risk grading, Probability of Default, Loss Severity, and risk reporting. Mosaic stores and maintains historic risk-runs, every credit union has the ability to trends risk and performance attributes.
Forward-looking process using a regression analysis on several variables at the loan-level, borrower-level, collateral-level, institution-level, and micro & macro economic information. Loan level risk grading, Probability of Default, Loss Severity, and risk reporting. Mosaic stores and maintains historic risk-runs, every credit union has the ability to trends risk and performance attributes.
Services
We anticipated the need to create an Intelligent Environment for the ever increasing amount of loan data generated by lenders, servicers and borrowers. Our Mosaic software aggregates disparate data to construct a complete picture, much like tiles in a Mosaic. It is the culmination of 2 decades of loan risk auditing and 3 generations of software development, including the industry's premier, and first web-based due diligence solution.
The team at P360 has been in the forefront of technology providing loan risk analytics and underwriting for more than 2 decades. Today, Mosaic Integrity connects the process of due diligence with actionable reporting for residential, consumer and commercial assets by coupling data verification with loan performance metrics.
Institutions are expected to Create and Maintain an Expected Loss model with forward-looking cash flow analysis. Mosaic manages, stores and accesses historic loan data, borrower data and economic data required for modeling. Not every credit union is the same.
CECL models must consider unique attributes such as performance characteristics, membership base, and geo specific data points and include economic inputs, such as GDP, Unemployment, MSA and sub market data over multiple years.Mosaic manages CECL requirements and provides multiple economic scenarios so that lenders have sufficient data to model their own estimated losses.
CECL models must consider unique attributes such as performance characteristics, membership base, and geo specific data points and include economic inputs, such as GDP, Unemployment, MSA and sub market data over multiple years.Mosaic manages CECL requirements and provides multiple economic scenarios so that lenders have sufficient data to model their own estimated losses.
Simple CECL provides a forward-looking reserve allowance that identifies risk at the loan level, plus a methodology that complies with regulatory requirements. Clients benefit from this unique, streamlined solution by taking advantage of Mosaic's mature loss modeling tools that have been vetted by top accounting firms and tested thru multiple NCUA audits.
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