Streamline your credit risk management workflow
Our advanced analytics and user-friendly platform empower lenders and financial service providers to make informed decisions related to real estate, ensuring a robust credit risk management strategy that aligns with their business goals.
Analyse and value your mortgage portfolio
Evaluate a single property or an entire portfolio in real-time
Leverage our APIs to integrate real-time real estate data into your workflow and enhance decision-making. Our proprietary database and AI algorithms empower lenders to make informed decisions upon loan origination monitoring or recovery for residential property. Enhance your credit risk management strategy by integrating comprehensive real estate data, ensuring your financial institution can accurately monitor portfolio performance and mitigate risks effectively.
Ensure compliance with regulatory requirements
Adhere to the highest standards in risk assessment
The EBA guidelines on loan origination and monitoring aim for a shift towards a more sophisticated approach, including assessments of liquidity and market dynamics, high-quality, up-to-date data sources, and stronger integration of ESG considerations throughout the loan lifecycle. Our AVM meets the highest standards in credit underwriting, enabling financial institutions to ensure compliance with regulatory requirements. With our advanced technology, you can ensure regulatory adherence while enhancing credit risk management.
Strengthen your credit risk management strategy
Minimise financial risks with in-depth property insights
Accurately evaluate existing portfolios and assess collateral value, meticulously track properties throughout their credit lifecycle with real-time alerts for value and risk rating changes. Equip your risk teams with actionable intelligence for informed decision-making and effective credit risk management. Enhance your credit risk management strategy with advanced analytics, insights ,and metrics, ensuring your financial institution remains ahead of potential risks and market fluctuations.
Make informed credit decisions thanks to critical datasets, sharp valuation models and explainable results
Precise valuations
Quickly determine the market value of any residential property.
Critical insights
Access an exclusive, comprehensive, global database of real estate insights.
Standard APIs
Standardised APIs make automation possible and integration easy.
ESG
Incorporate sustainability in real estate into your risk models.
Streamline credit decisions with PriceHubble
We would be happy to walk you through our software solutions and discuss how they can help you optimise credit management processes. Our advanced tools help lenders streamline decision-making and effectively monitor financial risks for real estate.
FAQ about credit risk management software solutions
Credit risk software solutions are comprehensive tools designed to help lenders manage various aspects of credit risk, including credit applications, credit scoring, and determining creditworthiness. These end-to-end systems integrate advanced scoring models and modules to set accurate credit limits, monitor risk exposure, and ultimately improve profitability for financial service providers. By streamlining these processes, financial institutions can make more informed decisions and enhance their overall credit management strategies.
Credit risk solutions cater to a variety of use cases:
- Credit scoring systems: Evaluate borrower creditworthiness.
- Credit limit management: Set and adjust credit limits.
- Risk monitoring tools: Track and report risk exposure in real-time.
- Loan origination systems: Automate credit applications and approvals.
- Credit analytics and reporting: Provide insights and customisable reports.
- Portfolio management: Oversee and optimise credit portfolios.
- Compliance management: Ensure adherence to regulatory requirements.
- Fraud detection systems: Identify and mitigate potential fraudulent activities.
PriceHubble's credit risk solution enables financial service providers to identify property-related risks to enhance credit management processes. By providing real-time property valuations, in-depth market insights as well as climate and ESG data, our solutions help financial institutions accurately monitor risk exposure. With our unique insights, they can make informed decisions upon loan origination and monitoring for residential property, accurately evaluate existing portfolios and assess collateral value. This approach ensures compliance with the EBA guidelines, offering detailed analytics and customisable reporting for regulatory adherence. PriceHubble’s banking and real estate solutions are available as web app or API, providing seamless integration into existing workflows.
Integrating real-time data into credit risk software enhances risk monitoring by providing up-to-date information on borrowers, collaterals and counterparties. This allows institutions to react swiftly to changes in risk exposure and adjust credit limits accordingly. Real-time data integration also supports the use of advanced analytics and segmentation, which can further refine risk assessments and improve overall credit management. One common way for lenders and insurance companies to integrate property data is to leverage underwriting APIs.
An end-to-end credit risk software solution streamlines all aspects of credit management, from initial credit applications to ongoing risk monitoring. This integration improves efficiency, reduces time-consuming manual processes, and ensures consistency in credit scoring and risk assessments. By using a comprehensive software solution, financial institutions can enhance their decision-making processes and better manage their credit risk.
Credit risk software solutions can support compliance with regulations (e.g. the EBA guidelines on loan origination and monitoring) by providing robust modules for data management, risk monitoring, integrating ESG factors, and reporting. These features help institutions meet regulatory standards for creditworthiness assessments, credit limits, and risk exposure. By ensuring that all aspects of credit risk management are documented and compliant, financial institutions can avoid regulatory penalties and enhance their overall risk management framework.
Scoring models are crucial in credit risk management as they help assess a borrower's creditworthiness. These models use customer data and historical information to generate credit scores, which are then used to determine credit limits and pricing. Factors such as loan-to-value (LTV) ratios are also integrated into these models, providing additional insights into the borrower's financial position and risk profile. By leveraging accurate and predictive scorecards, institutions can better evaluate risk profiles and make more informed lending decisions.
Yes, credit risk software solutions can improve profitability by enabling more accurate credit scoring and risk assessments. By setting appropriate credit limits and pricing, institutions can reduce the likelihood of defaults and optimise their loan portfolios. Additionally, the automation of credit management processes reduces operational costs and allows for more efficient use of resources, further boosting profitability.