Vision™

Advanced Risk Management and Valuation Software

Vision™ combines the sophisticated valuation technology of MIAC Analytics™ with newly advanced behavior modeling and stress testing to effectively measure risk.

Measure and manage the risk of loan losses, interest rate shifts, market changes, and liquidity

Primary applications of Vision’s outputs include price, spread/yield, duration and average life, CECL/Credit loss components, and performing budgeting, forecasting, capital planning, stress testing, and regulatory reporting.

Assets

  • Bonds and Investments
  • Auto Loans
  • Commercial Loans/Mortgages
  • Residential Mortgages
  • Consumer Loans
  • Mortgage Servicing Rights

Liabilities

  • Non-Maturity Demand Deposits
  • Certificate of Deposits
  • Maturity Deposits
  • Hedging Instrument
  • Credit Default Swaps
  • Notes, Lines of Credit

Valuation Reporting

Vision™ allows users to stress test portfolios using macroeconomic variables together with any measurable loan attributes.

Valuation Reports

Regression-Based Credit Modeling – MIAC CORE™
  • Defaults
  • Prepayments
  • Losses
Fully Customizable
  • Default
  • Prepayment
  • Severity Cases

Interest Rate Model

Adjust the Rate Variables and Models
  • SOFR/OIS
  • Ameribor
  • LIBOR Rates
  • FF/OIS Forward Rates
  • Volatility Surface Calibration
  • Swap Rates
  • Eurodollar (ED) Rates
  • Constant Maturity Treasury (CMT) Values

Valuation Reports

All Asset Types - Commercial, Consumer, and Residential

Income Statements
  • Report shows the combined income statements. Breakouts of income from legacy and new volume are available
Balance Sheets
  • Report shows the combined legacy and new volume balance sheet with provisions and NPL
Scenario Tool
  • Report shows risk-weighted assets, provisions, and equity built or destroyed by future earnings or losses

All Software Solutions Include:

Onboarding

We closely work with the client’s IT department for a seamless installation. We create and provide the
initial setups based on the client’s specifications. This saves the client FTO hours so they can focus on training.

Support (Onsite & Online)

Our support is second to none. We offer 2+ days onsite training and often follow-up with online sessions to reinforce training material. Our web-based support ticketing system allows clients to easily submit requests and monitor its progress. Our support team members work from several locations, which means we offer longer working hours.

Industry Expertise

We pride ourselves on hiring the most talented and experienced employees. We are staffed with industry experts who have worked in many facets of the financial sector for decades, making it easy for us to relate to the needs of our clients.

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