Solutions

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Asset Management Solutions

Commerce Velocity’s Asset Management solutions provide tools for organizations that focus on dealing with non-performing and distressed assets. Our Asset Management platform helps servicing organizations and investment banks analyze and evaluate property, loan, and borrower data, and streamline the ability to act on this information.

By applying risk and valuation models, market data, and complex acquisition guidelines, Investment Banks make more profitable asset acquisitions using Assetx. For servicing organizations that are challenged by increasing delinquencies, Optimizer determines optimal resolution outcomes by enforcing workout guidelines, applying NPV calculations, cash flow projections, and ensures consistency across your business.

Evaluates pools and individual assets
Applies risk and valuations models
Consolidates and analyzes third-party market data for decisioning
Applies various NPV and Cash Flow projections
Presents traders and transaction managers with immediate results
Provides purchase recommendations based on your tolerances
Generates purchase conditions and purchase advice
Integrated Document Imaging
Conditions Management and Validation workbench
Reporting capabilities
Allows business users to quickly modify business logic

Guides collectors using interview scripts
Captures updated borrower data
Retrieves and decisions against third-party data (i.e. Credit, AVM)
Provides collectors/negotiators with eligible workout scenarios
Applies NPV and Cash Flow projections
Ranks results in order of favorability
Generates conditions and provides conditions management tools
Integrated Document Imaging
Performance Dashboards
Allows business users to quickly modify workout logic
Extend directly to borrowers via our Borrower Resolution Portal

Enterprise Lending Solutions

Commerce Velocity has developed a technology platform that can mitigate risk throughout the entire loan lifecycle using its end-to-end lending solution, Spectrum. Through this versatile system, mortgage lenders and investment banks can provide a true commitment-to-lend decision at the point-of-sale, apply risk models and workflow rules to address and repair problem loan files, and verify those loans comply with investor guidelines.


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Mitigating Mortgage Risk

Today’s mortgage lender needs an origination platform that provides more than just improved processing times. Lenders need to factor risk mitigation strategies into the equation. By understanding and controlling risk factors early in the loan origination process and automating best practice workflows, lenders can produce higher quality loans while improving both productivity and profitability.

Through the tight integration of our Process Integrity Engine, Insight, with our third party services integration hub, Commerce Velocity’s solution provides you with the tools needed to integrate risk mitigation anywhere in your workflow.

Addressing risk at the point-of-sale

Insight's ability to address risk extends to all the way to the point-of-sale. There, a true commitment-to-lend decision can be given to customers with risk factors such as borrower capacity, fraud, or compliance used to make the decision. In addition, your company's proprietary risk models can also be used in the decision process.

As a loan progresses through the origination process, a lender is exposed to more and more loan information. Factors such as borrower or appraisal fraud, insufficient borrower capital, or state and federal regulation violations are eventually discovered by loan processors. Unfortunately, a lender may have already invested too much time, money, and resources discovering these problems. Worse, if left undiscovered a lender may be exposing themselves to the possibility of a buyback.

Insight, Commerce Velocity’s Process Integrity Engine, can help detect these mortgage risk factors at the point-of sale or at any point of the loan lifecycle. By building appropriate business rules and workflow, Insight has the capability of examining risk factors of every single loan before funding.