Date post: | 12-Aug-2015 |
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Servicing OptimizationAUTOMATICALLY DETERMINE HIGH-VALUE SERVICING ACTIONS
UNRIVALED CAPABILITIES – UNMATCHED RESULTS
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Who is Claren• Founded: 2013 by team of veteran IT, Analytics, and Mortgage Industry professionals
• Vision: Provide a state-of-the-art risk management, valuation, and analysis platform to the mortgage industry to improve performance results and transparency
• Operations: Atlanta, GA (with sales and analytics presence in New York and Philadelphia)
• Products & Services: Cloud-based Risk Management platform includes:
MSR Valuation – Provides an intrinsic valuation of purchase mortgage servicing rights (MSR)
Refinance Recapture – Provides an intrinsic valuation of soliciting an MSR portfolio for refinance
Loan Valuation – Provides an intrinsic valuation of residential whole loans
Servicing Optimization – Determines the optimal servicing action on NPLs based on NPV
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“By far, the most comprehensive valuation and analysis models and tools I’ve ever used.”- Claren Client, since 2014
Product Spotlight: Servicing Optimization• Automatically determines the optimal servicing action based on the highest NPV amount
• Performs over 100 “what-if” scenarios and rank-orders results based on highest NPV and
associated revenue gain (instead of the agency homeowner retention waterfall approach)
• Uses our comprehensive Performance and Cash Flow models to determine the intrinsic
value of each possible servicing action
• Identifies risk exposure - Prepayment, Default, Loss, Foreclosure, REO, and Short Sale
• Easy-to-use yet powerfully flexible user interface and reporting engine
• Allows complete flexibility on import file format, field mappings, list translations, pool
preferences (i.e., discount rate, advancing schedule, etc.), and property, area, and
economic indicators and assumptions
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• Loan-level forecast of the probability of being in a given future status (Current, 30dpd, 60dpd, 90+dpd, FC, REO, and more)
• 594 Individual Sets of Coefficients across Multiple Collateral Types
• Based on 43M loan records and 2.6B payment records from 1997 forward
• Back-tested and fully validated models
• Utilizes Machine Learning to adjust to changing market factors
Performance Modeling
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• Non-Agency Prime • Agency – Low risk
• Alt-A • Agency – Med risk
• Subprime • Agency – High risk / HARP
• Easily compare the financial impact of performing various servicing actions on a per-loan basis
• Maximize portfolio value and performance by executing servicing actions that have the highest NPV
• Maximize operational efficiency by focusing on loans that have the biggest impact on NPV
• Measure actual vs. forecasted servicing action performance and portfolio valuation
Improve Performance and Results!
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Results Output – Pool Summary
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MSR and Refi
Recapture
Valuations and
Multiples
Pool-specific
Balances,
Counts, and
Ratios
Loan Valuation
Info (Amount
and Percent)
Your
Pool-specific
Preferences
Results Output – Delinquency Summary
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Cash-flows,
Valuations, and CDR
and CPR Forecasts,
by Delinquency
Status
Current Balances by
Delinquency Status
Results Output – Net Gain by Action Rank
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Provides rank-order
of prioritized
servicing actions
Shows the amount
and percent gained
by taking prioritized
actions
Results Output – Top Servicing Actions
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Highest value
servicing actions, by
category.
Forecasted gain
amount, based on
performing
recommended
servicing action
Results Output – Servicing Actions
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Forecasted gain
by servicing
action category
• Supercharge your portfolio performance and ROI by performing optimal servicing actions based on the highest value to YOUR organization
• Put the power of world-class analytics and a superbly designed user experience and reporting engine to work for YOUR mortgage assets – today!
• Utilize YOUR experience, risk and market assumptions, and operational incomes/costs to quickly “dial-in” actionable results based on YOUR operation
• Work how and where YOU want to – anytime, all the time
• Review, analyze, and share results through comprehensive reporting and data extract capabilities
In Conclusion
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Interested in Learning More?
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Please call us at 650-265-7627
OR
e-mail us at [email protected]