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With emerging stress testing rules from the Federal Reserve, OCC and other regulatory bodies
around the globe, lenders are subject to new guidelines which require more sophisticated analytical
tools, efficient data infrastructure and experience analytical resources. Smaller lenders (less than
$10 Billion in total assets) will soon be subject to similar regulations as the larger banks above $10
Billion that are already subject to the Comprehensive Capital Analysis and Review (CCAR) guidelines.
The Advantage of Interthinx Portfolio Stress Testing
- Provide stress testing platforms through LookAhead software, TrueOutlook service and
custom consulting services for all retail lending portfolios
- Employ our sophisticated portfolio modeling approach to stress test for PD, LGD and EAD,
notably roll rates, attrition, delinquency and charge-off, balance per account, and recovery
- Using comprehensive industry data with 100% of U.S. consumer loans
- Analytics experts with decades of experience delivering to banks worldwide
- Cost effective solutions for lenders of any size
Aside from meeting regulatory requirements, stress testing is a key tool to ensuring lenders can
weather a severe economic downturn.
Better planning avoids reactionary management, one of the highest possible costs in a business
with high fixed costs and long resource lead times. In addition, there is immediate payoff from using
your stress testing results to guide product pricing, consider new product features, and develop
contingency plans.
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