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Credit Intelligence
Credit Intelligence
Optimize the analysis of UTP/NPL with Credit Intelligence
In the current financial context, the effective analysis of non-performing loans (NPLs) represents a crucial challenge for banks and investors.
Our Credit Intelligence solution leverages advanced data analysis technologies and artificial intelligence to optimize decision-making, improve credit recovery, and reduce associated risks.
Thanks to innovative predictive evaluation tools, workflow automation, and optimization strategies, we transform the analysis of UTP/NPL portfolios into a more efficient and profitable process.
Discover how our platform can help you maximize the value of your credit portfolios, ensuring a more transparent and strategic management of financial assets.
Pre-Acquisition Analysis
In the Pre-Acquisition Phase, portfolio verification is a fundamental step to assess risk and define the correct pricing of an NPL portfolio.
Portfolio Management
In the Management Phase, the update of relevant information—such as adjustments to property values, auction outcomes and scheduling of new auctions, updates on debtor/guarantor contacts, and the search for additional seizable real estate assets—is carried out only when the case is taken up, resulting in delayed strategic decision-making.
Guided Data Onboarding
A process that automates the import of the portfolio data tape allows for a provisional classification and valuation of positions by consulting data sorted by GBV without the need to invoke additional databases.
Verification of Onboarding Data
The validation and updating of the classification carried out during Onboarding consolidates the preliminary economic and financial assessment of the portfolio.
Cadastral Registry Checks
Automated cadastral registry checks on properties allow for the validation of their consistency, detection of any variations, and identification of ownership shares.
Mortgage Registry Checks
Automated conservatory checks allow for the validation of mortgages on properties, their ranking and expirations, and the verification of subordinations and postponements.
Real Estate Valuations and Auction Analysis
Thanks to the integration of multiple AVM models and the analysis of the situation of properties at auction, it is possible to achieve a more precise updating of real estate values, useful for a more accurate and correct assessment of recoverability.
Case Analysis and Clustering
The classification of positions based on capacity and recovery strategies allows assets to be grouped according to the recoverability of the invested capital. With easily perceivable dashboards for managers, better strategic decisions can be made.
Data Enrichment
The analysis of additional properties of the debtor and co-obligors/guarantors, along with the retrieval of informal information regarding the debtor's economic-financial reliability, allows for expanded credit recovery opportunities.
AI-Driven Document Generation
Automating the phases of credit recovery (welcome letter, injunction decree, payment order, foreclosure act) allows for faster intervention at lower costs. Thanks to AI, the process of drafting legal documents and managing the enforcement procedure is simplified, for example, through the automatic generation of the text for an injunction decree application.
ABC VALUE ™, RESI's product dedicated to credit intelligence
ABC VALUE™ is the next-generation platform that RESI Informatica offers to revolutionize the real estate lending industry.
