All Publications >> Operational Risk
Risk Integrated received US government FISMA compliance for its Specialized Finance System. The system, for risk management of complex commercial real estate loan portfolios, adhered to the strict guidelines of the National Institute of Standards and Technology.
All Publications >> Implementation Technology
Risk Integrated's Outsourced Risk Analysis Service is featured in this month's issue of Mortgage Finance Gazette, a leading commercial property publication in the UK. Risk managers now have a way to quickly generate rigorous risk analytics on the commercial real estate lending portfolios.
All Publications >> Implementation Technology
Risk Integrated now provides outsourced solutions for financial institutions for their requirements for commercial real estate risk analytics. Please read the pages below for a detailed description of how we execute the services to reap the benefits of outsourcing for our customers.
All Publications >> Stress Testing
The largest U.S. CRE portfolio lenders are now gathering a standardized set of data for all significant CRE loans. The set of data items is somewhat limited but has the great advantages of standardization and availability. Risk Integrated can use the SFS to extract maximum value from this data set by providing rigorous portfolio risk projections. The document illustrates the risk results Risk Integrated can return to the bank within a very short time.
Please contact us for the full set of sample projections.
All Publications >> Stress Testing
In a full presentation, Risk Integrated's Dr. Chris Marrison explains in detail the objectives of stress testing the commercial real estate portfolio. He discusses the shortcomings of the current prevalent methods such as adapting C&I stress testing models for use with very different CRE loans. In conclusion, full cashflow simulation is shown to be the most flexible, durable approach.
Please contact us Risk Integrated for a full copy.
All Publications >> Risk Methodology
As financial institutions have begun to re-evaluate their CRE risk assessment process, it has become apparent to many that only limited or incomplete CRE deal data exists centrally within the organization. This article investigates the impact that missing data has on the risk assessment of commercial real estate assets. The impact is first shown at the level of an individual deal and then the effect is demonstrated for a portfolio. The paper also suggests algorithms that can be used to quantify the accuracy of portfolio loss estimates and to guide the prioritization of collecting the missing data.
Please contact us for a full copy of the article.
All Publications >> Risk Methodology
Regulators are rightly concerned about the validity of any models that are being used by banks to estimate risk. One major constraint in commercial real estate is that loans are highly structured, complex, and diverse. Very large differences to the risk can be caused by seemingly small differences in deal structure.
Please contact us for a full copy of the article.
All Publications >> Basel Capital
New lending practices due to Basel III will become embedded in commercial real estate in the U.S. in the next few years. Banks will come under more intense scrutiny about the risk of the loans on their balance sheets which will translate into requiring their borrowers to submit more frequent updates on property cash flows. Read Chris Marrison's views about it in a recent online article in National Real Estate Investor.
All Publications >> Risk Methodology
Risk Integrated CEO Chris Marrison proposes banks can manage their liquidity risk for the commercial real estate portfolio using the same tools they have used for assessing their credit risk. The article is due to appear in this month's Commercial Lending Review.
All Publications >> Stress Testing
Risk Integrated released enhancements to its Specialized Finance System, which is a web-based risk measurement and reporting platform that allows financial institutions to run stress tests easily and securely. CTO Yusuf Jafry clarifies that the SFS will now better enable risk analysts to prototype their models in Excel, but control and audit them in a robust, scalable system.