Optimizer segments your portfolio by performance, other characteristics and appropriately assigns loans to the right channels and personnel.  We accomplish this by seamlessly integrating with existing Servicing systems and/or Default Management systems.  The Optimizer engine evaluates updated borrower information, credit report data, and provides collectors with a side-by-side ranking of all eligible workout scenarios.  Because Optimizer is configured with your specific workout guidelines, preferred NPV calculations and Cash Flow projection models, you can be assured your resolutions will not only be accurate, but it allows negotiators and collectors to secure the solution that is affordable for the borrower and provides the most cash flow to your bottom line.

By measuring on-going performance using our executive dashboards, your organization can also count on having a full 360 degree view of your servicing operation, in order to make more intelligent decisions.  Using this performance data, our system allows business users to easily modify tolerances, guidelines, and calculations, so Optimizer’s agility will enable you to respond quickly to market changes.

Optimizer can also be offered directly to your borrowers as a “self-service” solution through our
Borrower Resolution Portal

• Seamlessly integrates with your current Servicing system.
• Analyzes your Servicing Portfolio, stratifies loans based on performance, and assigns them to the associated workgroup.
• Navigates loans to Origination channels for pre-emptive refinance opportunities, or to Default Management.
• Negotiator workbench streamlines borrower interview process, enforces compliance, and automates best practices.
• Automatically enforces guidelines for Workout Options.
• Applies NPV calculations and Cash Flow projections to all scenarios.
• Negotiators are immediately presented with a list of underwritten options to offer defaulting borrowers.
• Automatically generates Workout Conditions
• Provides Conditions Management tools
• Allows business users to modify business logic using a simple rules administration console.
• Business Logic can be maintained in .xls spreadsheets