Industry Challenge

In a market where mortgages are more transferable than ever, the need for reliable analytics is critical.

InCol Intelligence© has been designed to address the increasing need for versatile and focused analytics across the ever-broadening user base.

InCol Intelligence© addresses cross-functional inefficiencies and duplication, replacing multiple spreadsheets and establishing a single source of data truth for all users.

The platform has been designed to combine proprietary data with third-party and public data to facilitate optimal credit, climate, physical risk analysis, and ESG, funding, regulatory and capital management reporting.

These are real challenges for an industry with a growing and varied user base with increasing information requirements.

Eliminates Keyman Risk
Reduces Human Error and reliance on spreadsheets.
Validates the User’s Data
Provides a comprehensive, accurate, and insightful business view which enables better and more timely decision-making.
Highlights Business Opportunities
Measures risk, and Identifies unforeseen risk elements.


Why use InCol Intelligence©?

InCol Intelligence© is an interactive management information, analytical, and reporting platform for all mortgage stakeholders. Data capture and upload is easy-to-use and is based on the ECB/BOE RMBS and ESMA Templates. Upload of the user’s data can also be facilitated through an API.

The platform is designed to give push-button clarity internally to Finance Directors, Risk Officers, Treasurers, Credit Departments, and externally to relevant parties, such as funders, investors in securitisations, covered bonds, and significant risk transfer (SRT) transactions, along with regulatory authorities and potential purchasers of mortgage portfolios. It takes care of complex data manipulation and analytical processes.

This easy-to-use system delivers information through 50+ interactive dashboards in graphical, tabular, and granular detail from a range of input cells on the ECB/BOE RMBS and ESMA Templates.

The platform overlays a mortgage originator's proprietary data with third-party and public data on a granular basis covering, Cladding, Erosion Assessment, Historically Flooded Properties, Properties with/without/claimed Flood Insurance, AVM, Rental Analysis, and Google Maps location - all areas of growing importance and focus for the mortgage market’s widening and diverse stakeholders.

Reports are available on-screen, are exportable to Excel and can be sent as PDFs, images, or in PowerPoint.


What does it do?

InCol Intelligence© allows a user to:


The Portfolio Creator

Using the Portfolio Creator, mortgages with outlier/specific features can be highlighted, and an existing or future portfolio can be ringfenced (e.g. to create a Green Portfolio). These assets can be tagged, and virtually ringfenced for use in specific transactions. This functionality allows for the creation and pre-positioning of a portfolio in preparation for a securitisation, covered bond, pledging to a central bank, portfolio sale, or Significant Risk Transfer transactions and for the management reporting during the lifecycle of such a transaction.

Specific access can be given to external stakeholders (warehouse line providers, rating agencies, forward funders, investors, corporate servicers, etc.) to easily allow for, and complement, their third-party analysis.


InCol Intelligence© Delivers a Strategic Advantage

Embedding Flood, Climate, and EPC data is strategically important for buy-to-let mortgage business stakeholders, given the growing awareness of climate-related risks and the transition to a low-carbon economy. Regulatory expectations are for financial institutions to lead the global economy to Net Zero.

InCol Intelligence© benefits the Buy-to-Let Mortgage sector by delivering more effective and focused:


Risk Assessment and Pricing

Mortgage providers incorporate EPC, climate, and flood data into their risk assessment models. Properties with poor EPC ratings, high flood risk, or areas vulnerable to climate change may be considered higher risk, potentially leading to higher interest rates or stricter lending criteria.


Portfolio Management

Providers may review their loan portfolios to identify exposure to climate-related risks, including energy inefficiency and flood risk. This can inform decisions about future lending and strategies for engaging borrowers to mitigate these risks.


Product Innovation

Lenders have an opportunity to develop innovative products, such as green mortgages, which offer favourable terms for properties with high EPC ratings or resilient to climate and flood risks.


Regulatory Compliance and Reporting

Regulatory frameworks are increasingly focusing on climate-related disclosures and sustainability. Mortgage providers must ensure compliance and increasingly need to report and measure how they incorporate climate and flood risk metrics into their decision-making processes.

In summary InCol Intelligence© addresses the needs of different stakeholders and can be adapted to handle specific needs. The platform:
  • Provides the Board and senior management with an accurate, meaningful, and relevant overview of its business.
  • Allows the risk management team to focus on the individual cases requiring remediation.
  • Is ideal for the lifecycle management of securitisations or portfolio sales.
  • Can produce BOE/ECB/ESMA or other regulatory reports at the touch of a button.


Testimonies and Partners


"Mid 2022 CREAFIN launched the first non-banking mortgage platform in Belgium. We wanted to ensure that we could meet the reporting standards requested by our investors. InCol Intelligence© provided CREAFIN and its investors with the tool to monitor the mortgage portfolio on a monthly basis from all angles. The team at InCol were very responsive and solutions driven to adapt the InCol Intelligence© platform to the Belgian situation."


We would be pleased to provide you with a demo to show how your business could benefit from InCol Intelligence©


 

Get In Touch Download Brochure


Incol Ltd.
14 Merrion Square North,
Dublin 2,
D02 NW28,
Ireland.