Actionable Insight for Loan Portfolio Valuation and Capital Planning
The Crowe Credit360 for Valuation solution is a sophisticated loan-level modeling solution that efficiently calculates and analyzes loan portfolio fair values and expected cash flow scenarios. Crowe Horwath LLP uses a robust, repeatable, and auditable valuation methodology that is customizable for specific macro risk factors, credit risk metrics, discount rate build-up methodologies, and other loan-level assumptions. The Crowe Credit360 for Valuation solution enables organizations to:
Receive customized portfolio valuations on a loan-by-loan basis with comprehensive portfolio analytics, aggregation, and reporting
Improve portfolio valuation reliability with more robust assumption sets and scenario modeling capabilities
Tap into valuation estimates that optimize decision-making in M&A transactions
A Technology-Enabled Solution With a Human Touch
In addition to the sophisticated technology platform, we assign a financial instrument valuation specialist to your project, available to assist in:
- Standardizing and converting loan data using our proprietary interface
- Constructing base assumption sets and customization for unique fact-patterns inherent in the portfolio
- Analyzing the results of the scenario output, including sensitivity analyses and primary-driver analytics
When Time Is of the Essence
Using an exit-pricing mindset in accordance with the accounting standard on fair value measurements and disclosures (ASC 820), our technology provides loan portfolio valuation results at a fraction of the time of other valuation products or services. Efficient calculations are important given the rigors of financial reporting deadlines for portfolio disclosures under ASU No. 2016-01 and the acquisition accounting standard (ASC 805) for recently completed transactions.
In addition to facilitating recurring financial reporting requirements, our solution can deliver valuable insights in M&A transactions related to portfolio valuation and deal pricing during the tight timelines established for due diligence. Identifying misalignments between portfolio valuation and deal pricing can lead to smart acquisition decisions.
Crowe Credit Analysis Solutions
Crowe banking industry professionals help banks of all sizes meet complex stress-testing and credit portfolio management challenges. Combining advanced technological capabilities with more than 50 years of financial industry experience, Crowe has developed a suite of stress-testing and advanced portfolio management tools for faster DFAST reporting and improved capital planning.
An end-to-end stress-testing system that offers lenders a better, faster way to aggregate data; applies machine learning to develop, test, and document models; and creates DFAST submission reports.
Automates the credit review process, integrating data from multiple sources to give you a comprehensive view of customer information, while helping to improve productivity, compliance, risk management, and portfolio visibility.
Automates the collection of commercial customer financial data, digitally maps the data via the rules you specify, and feeds the information into your existing financial analysis, spreading, and risk scoring systems.
Provides an efficient and effective means to conduct financial due diligence on an automotive dealership by performing an in-depth examination of financial statement accuracy without the full cost of an on-site audit.