RiskSpan

🚨 CFPB Report Reveals Underestimated Flood Risks in Mortgage Portfolios – The Growing Imperative of Loan-Level Analytics 🚨 The Consumer Financial Protection Bureau's latest report (https://lnkd.in/ejRQFY2H) highlights significant discrepancies in flood risk assessments within the mortgage market. Over 400,000 mortgages in the Southeast and Central Southwest regions may be underinsured for flood risk, leading to potential vulnerabilities for homeowners and lenders alike. At RiskSpan, we understand the critical importance of precise risk assessment at the loan level. Our loan-level analytics include: Detailed Risk Profiling: Assess each loan's exposure to flood risk, ensuring compliance and proactive risk management. Data Integration: Combine multiple data sources for a comprehensive view of flood hazards affecting your portfolio. Predictive Modeling: Anticipate potential impacts on loan performance due to environmental factors, enabling informed decision-making. In light of the CFPB's findings, leveraging advanced analytics to accurately evaluate and mitigate flood risk is not just advantageous—it's essential. 📊 Enhance your risk management strategy with RiskSpan's analytics. Let's discuss how we can assist you in navigating these challenges. 👉 Learn more about RiskSpan's Platform at https://lnkd.in/ep6ZwveW #MortgageRisk #FloodRisk #LoanAnalytics #CFPB #RiskManagement #DataDrivenDecisions

The Reverse Mortgage Market Index, generated by RiskSpan and sponsored and published by the National Reverse Mortgage Lenders Association (NRMLA), reported $14.01 trillion in home equity owned by people aged 62 and older, a slight dip (less than one percent) from the previous quarter. NRMLA's press release (https://lnkd.in/eDqeGJWC) attributes the decline to an estimated 0.3 percent ($55 billion) decrease in home values and a one percent (or $22.6 billion) increase in senior-held mortgage debt. #ReverseMortgage #HomeEquity #SeniorHousing #MortgageIndustry #HousingMarket

Do not miss this! Just one week left to register for #HousingDC25 on January 21, 2025 (register at: https://lnkd.in/ejS9wrv2)!! Hosted by our talented friends at Housing Finance Strategies, all of the panels promise to be phenomenal, be we especially hope you'll tune in at 11:45 a.m. EST for Jen Press's panel "The Evolution of Private Credit in Housing Finance" Jen's all-star panelists include: Brooke Carillo, Chief Financial Officer at Redwood Trust Satish Mansukhani, Managing Director of Investment Strategy at Rithm Capital Nancy Mueller Handal, CFA, Chief Investment Officer at Bayview Asset Management This session will delve into the rising prominence of private credit in housing finance, focusing on private asset-backed finance and the challenges faced by institutional investors. #HousingFinance #PrivateCredit #HousingDC25 #RealEstateFinance #MortgageIndustry

Thank you to Nancy Mueller Handal, CFA from Bayview Asset Management, LLC, Rithm Capital's Satish Mansukhani and Brooke Carillo from Redwood Trust, Inc. for joining for an engaging discussion on The Evolution of Private Credit in Housing Finance. Don't miss your chance to register to watch this and all sessions at #HousingDC25 - Inaugural Edition.

In case you missed it over the weekend, The Financial Times on Friday highlighted the expanding role of #privatecredit in financing large-scale investments, particularly among U.S. insurance companies (https://lnkd.in/evrnXd6s). Increasingly in collaboration with insurance companies, private credit firms are funding big-time capital expenditures in data centers, energy, and reshoring industries (among many others). This in turn is enabling the financing of critical infrastructure projects that offer steady and predictable returns. Private credit investments are particularly attractive to insurance companies because they provide: 1) Predictable Cash Flows: Insurance companies need match liabilities with reliable income sources, and private credit investments typically generate consistent income streams. 2) Enhanced Yield: Even risk-averse firms like yield! With interest rates remaining volatile, private credit often provides yields superior to traditional fixed-income securities, making it a compelling choice for insurers looking to boost portfolio returns. 3) Diversification Benefits: Who's not a fan of diversification? But Insurance companies in particular value the diversification offered by private credit, as it spans a wide range of industries, geographic regions, and loan structures, reducing portfolio risk. 4) Long-Duration Assets: Many private credit investments have longer durations, which align well with the long-term nature of insurance liabilities. As the private credit market continues to explode in popularity, its role in supporting capital-intensive projects is becoming indispensable. With its unique blend both attractive returns *and* stability, private credit is not only transforming how industries are financed but also how insurance companies allocate their capital. RiskSpan empowers private credit investors with advanced cash flow modeling tools to analyze and optimize their portfolios. Our platform provides detailed insights into loan performance, repayment schedules, and risk scenarios, enabling investors to make informed decisions and confidently project returns. By taking data management tasks off their plates completely and streamlining the modeling process, we help insurance companies (and other private credit investors) unlock the full potential their investments.

On this National Day of Mourning, we join the nation in honoring the life and legacy of President Jimmy Carter. A visionary leader, humanitarian, and advocate for peace, President Carter’s unwavering commitment to public service, compassion for others, and drive to create lasting global impact continue to inspire us. His legacy reminds us of the importance of service, leadership, and innovation in tackling some of the world’s most enduring problems. At RiskSpan, we reflect on how his values—integrity, vision, and a deep dedication to community—resonate with our mission to bring clarity and innovation to the challenges faced by our clients and communities. We send our deepest condolences to the Carter family and express our gratitude for a life so profoundly dedicated to service and humanity.

📢 RiskSpan is proud to sponsor the #HousingDC25 conference on January 21, 2025! 🏡 Join us as Jen Press, RiskSpan’s Chief Strategy Officer, moderates a panel on "The Evolution of Private Credit in Housing Finance." With private credit poised to play a pivotal role in 2025—particularly in private asset-backed finance—this session will explore the current state of the market and unpack the challenges institutional investors face as they navigate this evolving landscape. Don’t miss the opportunity to learn from industry experts and network with leaders shaping the future of housing finance and private credit. 📅 Save the date: January 21, 2025 📍 Register and Learn more about the other great panels at #HousingDC25: https://lnkd.in/eej7jBfj #PrivateCredit #HousingFinance #Conference #RiskSpan

Meet Mihir Shilpi, who brings an abundance of creativity and problem-solving expertise to his work as a UX designer, ensuring the RiskSpan Platform is as user friendly as it is effective. When he isn't helping to perfect our users' journeys, you might find Mihir engaged in photography, travel, or scuba diving(!) which he says connects him with nature and provides a sense of tranquility. He observes: "Since joining RiskSpan, I’ve grown significantly in multiple aspects of my professional life. I’ve deepened my understanding of financial technology and the unique challenges associated with designing for such a specialized industry. I’ve become more adept at balancing user-centric design principles with business objectives, ensuring that my work not only enhances usability but also supports company goals. Collaborating with a diverse team has improved my communication and project management skills, especially when translating technical requirements into intuitive designs. This role has also encouraged me to think strategically about visual branding, sharpening my ability to create designs that are both functional and visually impactful. Overall, my time here has been an incredible learning experience that has pushed me to grow and excel." You have indeed excelled here, Mihir. We're a better team with you on it!

Divas Sanwal briefly introduces the concept of multi-objective optimization for AI-driven portfolio management at the 2024 RiskSpan Summit https://lnkd.in/eWHsfpkb

In case you missed it over the holidays, Victor Kuznetsov had a great piece in HousingWire on a topic we've been harping on around the halls of RiskSpan for quite a while -- namely the growing appeal of non-QM loans among lots of different investor types, particularly insurance companies. Attracted to their strong credit profiles, low LTV ratios, and stable origination volumes, traditionally cautious insurance companies are flocking to #privatecredit investments, including #nonQM, for their attractive illiquidity premiums and minimal historical losses. This as an inflection point for innovation in data analytics and modeling. With the right tools, market participants can optimize trading, better manage risk, and streamline operational costs. As banks and insurers scale their non-QM allocations, precision and efficiency in portfolio management will become even more critical. RiskSpan's state-of-the-art cash flow modeling and data analytics platform is uniquely positioned to support these activities, enabling smarter decision-making. Here's to making 2025 a transformative year for non-QM securitization. Let us know your thoughts! https://lnkd.in/e33XqcFX