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RiskAnalyst Feature Tour
The Commerical Real Estate templates help institutions improve the accuracy and consistency of analysis at the property level with calculation of key commercial real estate metrics and ensures the standardized collection of property data.
MARKET CHALLENGE: INCONSISTENT ANALYSIS OF COMMERCIAL REAL ESTATE LENDING
Commercial real estate loans can represent a significant proportion of a financial institution's portfolio. History has shown that market cycles can inflict large credit losses on institutions that are ill-equipped to handle fluctuations within a specific segment like commercial real estate.
Assessing risk in this cyclical and volatile industry is made more complex by the variety of unique property types and development projects. Compounding the difficulty is the issue of analyzing credit risks associated with a property at different phases within its life cycle.
Institutions that do not have a consistent approach or standardized analysis of their commercial real estate exposures are left at a distinct disadvantage in both loan origination as well as monitoring the changing credit risks within their portfolio.
RISKANALYST INCOME PRODUCING REAL ESTATE TEMPLATE
The RiskAnalyst Commercial Real Estate (CRE) Data templates allows users to collect, analyze and store both historical and pro-forma in a consistent manner. There are currently three commercial real estate data templates available for use with RiskAnalyst: Income Producing Real Estate, Land Development and Home Builder.
The CRE data templates can be used as the primary system of record and provide an effective solution which includes uniforms and centralized analysis of property level information such as net operating statements, appraisal data, rent and vacancy rates, loan exposure details, debt service coverage, loan-to-value, sensitivity analysis, tenant rent rolls and market factors.
MOODY'S KMV RISKANALYST COMMERCIAL REAL ESTATE TEMPLATES OFFER:
- Provides consistent colla the flexibility to meet organizations' credit risk assessment goals, such as regulatory requirements, internal policies, and central oversight.
- Sensitivity analysis of the key drivers in assessing the risk of commercial real estate loans.
- Detailed analysis of different types of loans, including amortizing, interest-only, fixed or adjustable rate.
KEY BENEFITS
- Provides consistent collection, analysis and storage of historical and pro-forma property data.
- Assists with regulatory compliance, including stress testing and reporting at the portfolio level.
- Enhances your institution's risk management process.
- Highlights the impacts on proposed and existing commercial real estate transactions.
- Enhances the lending process with reports on key metrics.
- Improves your monitoring process after origination by identifying potential issues.
FEATURES
- Central repository of property data for your commercial real estate portfolio.
- Separate income producing real estate, land development and residential home builder data templates.
- Multi-phase credit analysis and monitoring capabilities.
- Sensitivity analysis of important underwriting metrics.
- Comprehensive construction and development budget monitoring.
- Ability to model multiple owner relationships.
- Instant on-screen calculations and detailed reports.
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