ARTAdvisor™

ARTAdvisor™ is the tool to provide lenders with fast, in-depth analysis on individual loans or an entire portfolio to determine the right management actions to maintain performance and profitability.  It can identify the best workout and loss mitigation strategies for loans that are in trouble or headed that way to maximize the lender's chances of getting and keeping that borrower in current status.  It can identify loans within a pool or portfolio that meet specific criteria for a product line or new business. It can assist a lender in managing its equity lending business by analyzing current equity position on a property and trending over time.  It can track known risk and identify emerging risk trends to keep the lender aware of its position and enable it to enact effective management strategies.  It can enable a lender to make better-informed secondary marketing decisions, knowing the actual risk and current value of a loan or pool of loans to direct buying and selling for accurate quality categorization and pricing, while minimizing threat of rejection or repurchase.  ARTAdvisor™ is the tool to accurately understand a loan or a portfolio and manage its performance.

Benfits of ARTAdvisor™

• Provides powerful analysis ready to use off-the-shelf.
• Highly customizable to meet a client's needs.
• Monitors and tracks known risk issues to understand impact on performance and facilitate appropriate intervention.
• Identifies emerging risk characteristics to enhance oversight and enable development of management plans.
• Monitors property value trends, including past reported and current values with LTV/CLTV calculations to understand true equity position.
• Provides in-depth credit analysis including payment patterns of each debt type, public records and credit scoring to monitor trends and emerging risk.
• Loan Workout / Loss Mitigation:
  • Recommend workout strategies for each loan, including repayment plans, modifications and refinances.
  • Consider GSE, Agency and FDIC programs as well as lender-specific, customized products.
  • Focus staff efforts for increased success in dealing directly with borrowers.
  • Enact new products and programs quickly without negative staff learning curve.
  • Ensure every potential workout option is considered on every loan to find best fit and minimize chances of delinquency recidivism. 
• Optimizes usage of third-party data to understand market, property and borrower risk:
  • Neighborhood sales/foreclosure activity.
  • Identify existing liens against subject.
  • Confirm current occupancy status.
• Trends risk characteristics to enable better product development and guideline management to mirror risk appetite.
• Stratifies the portfolio, grouping loans into categories with analysis that ranges from simplest to highly complex.
• Reports specific to a lender's needs at the loan level and the portfolio level.
• Provides documentation to assist or enhance audit and reporting.