ARCSys Automated Valuation Modeling applies statistical models across your entire collateral base, refreshing valuations without a manual appraisal for every loan, leading to more accurate credit loss estimates and compliance with regulatory requirements. Run what-if scenarios in adverse conditions, testing HPI or CPPI declines to see how your collateral values hold up.
Market and property data value your collateral, applied loan by loan to your own book, and the updated values flow into your allowance. This is a good example of outside data used correctly.
An appraisal tells you what one property was worth on one day. The allowance needs to know what the whole collateral base is worth now.
Understand collateral value trends across your whole book, with valuations that flow into the same credit loss estimates and reporting your board already sees.
Property values estimated across the portfolio from market and property data rather than loan-by-loan appraisal.
Valuations updated on a cadence, so collateral trends are visible as they move.
Loan-to-value and collateral coverage tracked by property type, geography, and risk tier.
Test HPI or CPPI declines in adverse conditions and see how your collateral values, and your coverage, hold up.
Updated collateral values flow into expected loss estimates for collateral-dependent loans.
Loans whose collateral position has changed are surfaced for review.
Methodology and results documented to support compliance with valuation requirements.
The model is built on your collateral data with ARCSys beside you, then refreshed so the allowance and reporting work from current values.
Property, location, and loan detail loads from your core and servicing systems.
Statistical models calibrated to your markets and property types.
Model estimates compared with recent appraisals to document accuracy.
Values flow into expected loss estimates and reporting.
The portfolio is revalued on the agreed cadence.
Changes in value are traced by segment and geography.
Loans with a changed collateral position are surfaced for review.
Collateral trends reported to credit, finance, and the board.
Values across your whole book are refreshed on a cadence, so the credit loss estimate reflects the collateral that actually secures it.
▸ Request a scope callCollateral values refreshed across the book without a manual appraisal for every loan.
Portfolio-wide value trends by property type, geography, and risk tier.
Methodology and results documented to support compliance with valuation requirements.
Bring the segment where collateral values worry you most.
