Loan cash flow uncertainty is a hidden risk in the industry. Consider this: according to Darling Consulting Group’s new Loans360°® technology, 30% of all commercial real estate (CRE) loans have a coupon over 7%, while 44% of all CRE loans are below 4.50%. This creates significant challenges for institutions trying to gauge refinancing risk under various falling rate scenarios. And for those who are not CRE lenders—beware. We observe similar trends across other loan portfolios.
But that’s not all. DCG’s data scientists have uncovered that prepayment sensitivity extends far beyond coupon levels. Factors like loan vintage and proximity to reset or maturity play crucial roles. Understanding these dimensions is essential for managing liquidity, refining forecasts, and improving interest rate risk and CECL models.
Join us for an exclusive webinar where we’ll introduce Loans360°, a cutting-edge interactive solution designed to enhance risk management and support portfolio and pricing strategies. Be among the first to see a live demonstration and learn how this technology can provide actionable insights for your institution.
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Don’t miss this opportunity to stay ahead in managing loan portfolio risk.