FICO® Mortgage Portfolio Optimization

• Drive down losses from bad loans. Through optimization and the other components of the FICO® Mortgage Recovery Initiative, you can select the right loans to modify and the right terms, in order to forestall serious delinquencies and foreclosures.
  
• Promote customer loyalty while preserving portfolio value. Through optimization, you can maximize the NPV of your loans and reduce recidivism.
  
• Test different scenarios and select the best. Mortgage Portfolio Optimization gives you the opportunity to add and change business rules, estimate resulting portfolio NPV and choose the best from various strategy configurations.

• Predicts NPV impact of all possible modifications. Through action-effect modeling, we identify the likely outcomes of different actions for different customer profiles, and the overall effect on the NPV of your portfolio.
  
• Selects the optimalaction for each customer. Optimization analytics use the action-effect models to select the best action for each customer, given your objectives and constraints. Actions could include refinancing, loan modification, short-sales or foreclosures.
  
• Automates the offer selection process. The product of optimization is a ruleset that can be deployed through the FICO® Blaze Advisor® business rules management system, or through your FICO customer management or collections system. These rules can process your entire portfolio, or be activated when a specific customer requests loan modification.
  
• Customized to your portfolio. This solution uses your data, your metrics and goals and your policies. A flexible solution structure allows you to modify constraints and examine the resulting scenarios.
  
• Delivered with world-class consulting. FICO has partnered with industry-leading management consulting agencies to help you deploy this solution and realize its full value faster.
  

FICO® Mortgage Portfolio Optimization is part of the FICO Mortgage Recovery Initiative. The FICO MRI enables you to determine the best candidates for loan modification programs, the best way to reach them, and the best offer for each customer.

• Mortgage Risk Analyzer:  Identify your mortgage customers who are most at risk. This service produces a targeted list of remediation candidates who are most imminent of future mortgage risk, before they have accelerated into delinquency status.
  
• Mortgage Response Analyzer:  Identify the best methods for reaching your mortgage customers for maximum response and success.
  
• Mortgage Portfolio Optimization: Make the best possible match of loan product offers to your at-risk customers, to meets their needs while preserving loan portfolio value. Through optimization, FICO uses advanced analytics to balance multiple trade-offs and build an optimized set of business rules that determines the ideal offer for each customer.

Learn more by contacting the FICO MRI team using the form on the right.

Speak with a FICO representative about our solutions and your business needs by calling us:

US (toll free): +1 888 342 6336
International: +44 (0) 207 940 8718

Or email us using the form on this page. We look forward to speaking with you.