Empowering Financial Institutions for Strategic Decision-Making
Satisfy Regulatory Requirements with Confidence
- Ease your regulatory concerns and ensure compliance.
- Static Pool Analysis provides deep insights into your portfolio dynamics over time.
- Economic Scenario Analysis and Stress Testing helps you assess the impact of economic fluctuations on your loan portfolio.
- Credit Score Migration and Analysis of significant underwriting characteristics provides insight into important credit score shifts and essential underwriting factors.
Identify Loan Trends Quicker for Strategic Growth
- Maximize the value you provide to your customers. Our experienced team of analysts evaluates your portfolio, helping you identify the most and least profitable lending areas.
- Optimize risk-based pricing tiers by fine-tuning pricing strategies based on real-time risk assessments.
- Quantify Dealer, Branch, and Underwriter profitability by identifying areas for growth and improvement within your lending ecosystem.
- Benchmark your loan level performance against peers by comparing your loan performance against industry benchmarks.
CECL & DATA ENRICHMENT
Current Expected Credit Losses (CECL) – Take Ownership of Your Reserve
- Understand and control your most significant estimate.
- Easy to Audit and Recalculate: Developed by financial statement auditors, our CECL software meets rigorous audit expectations. Quickly recalculate and reconcile your CECL estimate with confidence.
- Multiple Methodologies to Fit Your Financial Institution: Choose different methodologies for various portfolio segments. Our software provides sophisticated loan-level calculations.
- Quantify Qualitative and Economic Factors: FASB compliant CECL reserve based on reasonable and supportable forecasts, using macroeconomic data by metropolitan area.
Data Enrichment – Obtain Current Data for Informed Decisions
- Keep your financial institution ahead with current and enriched data.
- Understanding Credit and Collateral Quality Migration: Gain insights into current collateral positions for stronger stances on required reserves and capital adequacy.
- Supplement Incomplete Data: By performing soft credit pulls, updating real estate and auto values, and identifying superior mortgages on junior loans.
Why Choose 360factors?
360factors empowers organizations to accelerate profitability, innovation, and productivity by predicting risks and streamlining compliance.
Complete GRC
All the GRC tools you need integrated in one solution
Basic to Enterprise
From simple risk assessment to complete risk register and control testing
Speed & Execution
Insights into your risk program & control effectiveness
Fast Implementation
The cloud-based solution can be integrated within days
Flexible and Modular
Pick the modules you need for your business
Easy to Use
Automation and an intuitive interface ensure ease of useLearn How 360factors Empowers Customers to Manage Their Risk and Compliance Programs with Ease.
We look forward to working with 360factors to advance our enterprise risk and compliance programs for the bank while increasing the products and services we offer to the community.
Mark Casel Chief Risk Officer
We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.
Eric Sprink President & CEO
Predict360’s banking workflows, risk library content, and endorsement from the American Bankers Association are a great fit for our bank.
Julie Dahle EVP and Chief Risk Officer
As part of our initiative to expand our products and services, we wanted to enhance our enterprise risk and compliance management to support this growth. Predict360 will enable our team to meet these goals efficiently.
David Claussen Chief Risk Officer
360factors’ solutions, powered by artificial intelligence, enables our organization to adapt and respond effectively to the ever-changing regulatory compliance landscape.
Joanna Chancellor Business Support Manager
The powerful features combined with the easy implementation of the cloud solution made Predict360 a great fit for our organization.
Steve Parker Chief Executive Officer
We believe our collaboration with 360factors and the technology they bring supports our vision for the future.
Gina Anonuevo Chief Compliance Officer
Deploying Predict360 is another step by us towards becoming a more streamlined and efficient organization.
Crystal Barnes Regulatory Compliance Specialist
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