Cognilytics Mortgage industry practitioners utilize the Cognilytics AVM™ model to direct the Big Data Tamers and Decision Scientists to deliver customized innovative yet monetize-able solutions that include Predictive Analytics and Decision Making, Diverse Modeling and Valuation Techniques, Cash Flow Valuation as per Regulatory Requirements, Loss Mitigation Reporting, and establishing enterprise wide risk data infrastructure

Customer Lifecycle Analytics

Enterprise Information Management Services	Regulatory Reporting and Requirements	SOP 03-3 End-to-End Design and Implementation
Data Health Assessment Master Data Management Data Governance Data Quality and Profiling Customized Business Intelligence Reporting	Data Quality and Integrity Framework for Basel II Implementation OCC, Federal Reserve, CFPB, and FHFA Mortgage Metrics Reporting and Data Requests Liquidity Stress Testing Services Economic and Regulatory Capital Adequacy	Credit Mapping and Documentation Data Analyzing, Cleansing, and Transformation Data Management and Governance Creating New processes i.e. Exit Events, Payments Analysis Cash Flow Analysis and Portfolio Valuation

The Cognilytics AVM™ Model addresses key challenges faced by the Mortgage Industry

Key Portfolio Risk and Value Indicators	What does the distribution of key risk indicators look like across the portfolio? How is the portfolio trending versus prior vintages? What is the loan balance trend of the portfolio and how does it vary by geography, loan purpose, property type, and occupancy? What is the current value of the portfolio?
Credit Risk	What are the delinquency trends? What are the credit score trends across the portfolio by geography, loan, and property type? What is the probability that a particular loan will default next month/ in the next 6 months? What happens to the portfolio if market conditions suddenly change?
Collateral	How are the portfolio's property values trending based on regional HPIs? How are the key markets performing? What is the distribution of LTV and CLTV across the portfolio by geography, loan, and property type?
Distressed Assets	What is the foreclosure activity? What are the net charge-offs for the portfolio? Where are the OREOs and short-sales? Are there Loan Mod opportunities?