Business Intelligence
Business Intelligence the specialist data analysis and modelling arm of HML
Business Intelligence collects residential mortgage data from retail lenders in the UK and harnesses the predictive power that such a critical mass of data can bring. As each month passes this information gets richer and this pool of data has now become the primary source of performance metrics for mortgage lenders, asset managers and investment advisers throughout the UK.
Business Intelligence isn’t like ordinary analytics providers. It derives metrics from a growing pool of actual live mortgages. This allows us to draw higher quantities of statistically robust information-rich forecasts for our clients.
We’ve got it covered
Our detailed performance analysis covers Prime, Buy to Let, Self Certification and Sub Prime segments of the market and is the cornerstone to our extensive range of cutting-edge scorecards and wider service range. These include:
- Loss and default forecasting
- Benchmarking
- Application scorecard development
- Attrition modelling
- Profitability modelling
- Arrears management services and software
Business Intelligence’s main ability is the production of key predictive default and loss metrics, which our clients feed straight into their risk management processes and controls. Knowing where the risks and rewards lie in their portfolio gives them the advantage they need to stay ahead in an increasingly competitive and evolving market. HML has all the relevant analytics and modelling tools you’ll need in order to enhance your understanding of your portfolio risk and to determine the best strategy to employ.
The Mortgage Investor
Subscribing to the Mortgage Investor will arm you with all the information you need when buying or selling mortgages. Every month you will receive the latest information on arrears emergence, attrition emergence and transition states as well as, on a quarterly basis, expert commentary on any trends, patterns or hot topics evolving in the market.
BASEL II Loss and Default Metrics (PD, EAD and LGD*)
Embed reliable and statistically robust predictions of loss or exposure into your risk management practices so that your regulatory capital will remain sound in fluctuating economic conditions.
*Probability of Default, Exposure At Default and Loss Given Default
Pooled Application Scorecards
Take advantage of the uplift in predictive quality of an application scorecard built on pooled data versus a scorecard derived solely from your own data. We can build scorecards applicable to Prime and Sub Prime residential market segments.
Arrears Management Scorecards
This suite of behavioural models focuses on both performing and non-performing accounts and casts much needed light on the probability of accounts correcting or deteriorating to the point of possession.
Natural Cure Model
Using this model, you can predict the probability that an account one or two months in arrears will return to a performing state, or self-correct, without excessive intervention. This allows you to focus on the accounts which may look similar on the surface but require extra energy to return to a performing state.
Arrangement Breaker Model
This model enables you to assess whether a customer is likely to meet the obligations of a revision to the terms and conditions of their mortgage. You can rest assured that your strategic planning is as informed as it should be and that you are the most prepared you can be.
Probability of Repossession Model
The third model in our suite of arrears management scorecards determines the statistical likelihood of delinquent accounts ultimately reaching a repossessed state. The earlier you are aware of the possibility of such an outcome the earlier you can attempt corrective action and establish the best course of action for you and your customer.
Insolvency Matching
We match all your mortgage borrowers against the Government’s Insolvency Service database and provide you with monthly updates so that critical information can be acted upon without delay.
Portfolio Valuations
Our analysis provides you with current and future views on arrears, default and attrition rates. Armed with this information, your provisioning and sensitivity planning is not only eased but greatly improved.
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