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Most Lenders have a good understand that returns should be commensurate with the level of risk associated with a transaction. Delivering on this on a loan by loan basis, within a large portfolio can be a challenge. NorthBrook’s loan level grading easily identifies differing risks and helps you match appropriate revenues at that level.
Consistency within Portfolio Pricing
Loan level grading makes risk/price comparisons across a portfolio of loans simple and easy to do. The N-Abler allows you to quickly determine differing risks where pricing needs to be adjusted to compensate for those differences. This can be particularly helpful with consumer portfolios where one-rate-fits-all pricing is too often used
Cost Savings in Collections Efforts
Loan level grading brings efficiencies to the collections process as well. With the N-Abler’s two level loan grading – credit and security value – your collection efforts can be better focused on the better options for recovery. Staffing can be optimized between borrower collections and security realizations. These efficiencies directly added your bottom line allow your organization to keep more of the revenues it first planned for.
For examples of such how this could work for you see our Best Practices Presentation
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Independant Assessments