Construction Stress Analytics© is a recent addition to our suite of risk management tools. It is robust software that quickly handles all construction and land development loan stress testing needs. Using loan data extracted from your core processor, loan system or other data sources, Construction Stress Analytics© will do the analysis for you.
Implementing a highly accurate method of estimating loan interest payments for the life of a project, along with Loan to Value ratios and Loan Payment Dates, Construction Stress Analytics© provides your on-site users with stress ratings you set based on interest reserve capacity to cover the interest payments, as well as the ability of the project to generate cash flows sufficient to repay the entire debt.
Once a loan's data is input, the user can stress test it by varying numerous factors, including absorption rate, construction delays, interest rate, real estate value, and even fallout of presold units. With Construction Stress Analytics©, you won't have to guess about the effects of the very things that happen on almost every construction loan.
Construction Stress Analytics© gives the user the ability to stress test different sectors of your construction/development loan portfolio. When you are aware that values in a sector have changed, use Construction Stress Analytics© to see how those changes affect your portfolio! Print out the easy to use reports to show the results in a format your Board will appreciate.