Adding value to our clients through analytics is at the heart of everything we do. We work with a wide range of clients across the full credit life-cycle including originators, aggregators, agencies, regulators, servicers, investors, capital markets participants, and peer-to-peer (P2P) lending platforms.
All our services apply to residential, commercial, and consumer assets—including assets that are non-standard or not intended for a secondary market.
Originators & Aggregators
Whether it is providing brokerage services for residential, commercial or consumer receivables, asset valuation for any portfolio of assets held on balance sheet or for sale, stress testing portfolios for expected losses or capital adequacy under various macroeconomic scenarios, running a cash flow analysis and identifying prepayment and other behavioral prospects, hedging interest rate risk, or assisting with agency loan delivery, MIAC helps originators, aggregators, and wholesale lenders meet their varying risk-management challenges and empowers their decision making capability.
Loan servicers enlist us to analyze their residential, commercial, and multifamily servicing portfolios. Our state-of-the-art risk measurement and hedging solutions reduce the impact MSRs may have on P&Ls. MIAC is relied on to value servicing portfolios and predict its performance, as well as market it to buyers through our brokerage.
Agencies ranging from GSEs to local housing authorities depend on MIAC Analytics™ for cash flow valuation and performance expectations, as well as stress testing expected losses or capital adequacy under various macroeconomic scenarios.
Working on behalf of governmental departments or for government appointed institutions is another core part of our business. Since the financial crisis of 2007, there have been significant demands on these organizations and the need for them to work with independent consultants to deliver on their objectives.
We can help with:
- Asset valuation for a bank examination and advising on optimal segments of the portfolio for disposal
- Stress testing assets to understand the viability of a bank to operate under different economic scenarios, or to understand the magnitude of their capital raising needs.
- Placement of seized assets
- Loss-share valuation
- Benchmarking, to validate loss provision levels, or regulatory capital requirements to provide assurance on internal calculations
Understanding pertinent regulatory and governance requirements on industry participants is essential to understanding their challenges in the financial services landscape today. Therefore, working with regulators is an important part of what we do—keeping them abreast with our services and solutions forms part of our credible offering to the market.
We work with private equity, hedge funds, loan funds, REITs, money managers, and any other purchaser or owner of debt that wishes to gain a better understanding of their asset value and the likely future performance.
Through our tailored solutions and elaborate data models, we have a seasoned track record in either routine or one off independent asset valuations to satisfy investment committees or for accounting book value.
Additionally, where organizations have data management challenges or the desire to enhance their internal analytical capability there is the option to take our software, MIAC Analytics™, and CORE data models in-house.
Furthermore, as an investor you’ll see a lot of exclusive paper come through our MSR and whole loan brokerage as we have over 300 clients across all business lines.
We provide a range of support and services to capital markets participants – including structured finance groups within retail banks, investment banks, depositories, trustees, master trusts, and all other firms that either originate or manage structured finance products such as the following:
- Covered Bonds
Our proprietary MIAC Analytics™ software suite enables us to meet varying client demands and contexts. Through its use, we have the capability to model cash flows through WinOAS™ and apply this to a waterfall structure within Bond Agent™. So, whether your question is about the asset valuation of any type of underlying loan, or you’d like an independent investor report, our software and refined services can help.
Our custom software suite, MIAC Analytics™, and unparalleled transparency in our independent valuations enhance a platforms understanding of the risk and value of its loan portfolios, and ultimately optimizes the decision making and communication to investors, regulators, and auditors. Despite the marketplace lending industry being young, we can stress test portfolios for expected losses or capital adequacy under various macroeconomic scenarios.
No other firm has the breadth of mortgage experience and industry- leading technology to value as many financial instruments as MIAC. Our valuation experts proudly serve over 300 clients worldwide.
Open Box Software
MIAC’s proprietary software suite, MIAC Analytics, provides a powerful range of MIAC tools, yet empowers capital markets participants to utilize their own or 3rd party models and projections.
Our 25+ years of experience, sophisticated valuation analytics and effective sales team have allowed MIAC to develop a broad network of buyers and sellers.
Hedge Advisory Services
The combination of proprietary, state-of-the-art technology plus extensive practical experience has led us to achieve success for originators that trust us to monitor, measure, and mitigate risk, stabilize earnings, and improve operational efficiency.