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ProMS Lender

CECL and IFRS 9 Resource Centre >>

Digitising data and workflow for appraisal, underwriting and portfolio management. Rapid implementation meeting all current regulatory requirements including CECL/IFRS9 and Basel 2 AIRB.

Cloud technology supporting all CRE lending:

  • Construction, value added, stabilised
  • Multifamily, hospitality, retail, office and all major sectors
  • Senior, junior, cross-collateralised and syndicated lending

Specifically designed to manage Commercial Real Estate workflow:

  • Comprehensive CRE specific data capture and cashflows
  • Underwriting, loan review and portfolio management workflow
  • Suite of reporting tools (loan, counterparty and portfolio)

Pre-calibrated with extensive market data, ProMS calculates:

  • Year by year estimates of PD, LGD and EL – loan and portfolio level
  • Profit metrics – IRR, NPV, EC, MPL, RAROC, RARORC etc.
  • Dynamic risk metrics change with the market and the collateral assets

Flexible data integration - ProMS can to be used on a standalone basis or integrated with existing systems:

  • User friendly interface
  • Imports appraisal files including Argus Enterprise
  • Excel import/export
  • Standard reports and bespoke report creation tools
  • APIs for data integration
  • Advanced data validation and data management
  • All reports, analysis and data audited and archived with metadata

Comprehensive functionality – ProMS allows users to assess risk and profitability of CRE loans at any stage of lifecycle:

  • Origination – compare different profit and risk metrics for alternative debt structures and prices
  • Periodic review – maintain CRE data and monitor changing risk over time
  • Workout tools – compare profitability and risk of different work out strategies
  • CCAR and other stress tests – see the impact on portfolio level returns and losses under different market scenarios
  • Comprehensive documentation and validation reports

ProMS provides CRE lenders with complete control over profit enhancement and risk reduction in their loan portfolios as well as CECL compliance.