Credit Scoring
 

Cypress software allows users to deploy one or more embedded loan origination scoring models in conjunction with credit policy rules to automate the underwriting and decisioning processes. This is possible through our alliance partnerships with industry leaders:

 Fair Isaac(NYSE:FIC) is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modeling, decision analysis, intelligence management, decision management systems and consulting services power more than 25 billion mission-critical customer decisions a year. Founded in 1956, Fair Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce fraud and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair Isaac solutions, as do insurers, retailers, telecommunications providers, healthcare organizations, and government agencies. Through the www.myfico.com Web site, consumers use the company's FICO® scores, the standard measure of credit risk, to manage their financial health. As of August 5, 2002, the business of HNC Software Inc., a leading provider of high-end analytic and decision management software, is part of Fair Isaac.

When you choose Mark IV as your application processing solution, you have the opportunity to incorporate one or more Fair Isaac Predeveloped Application Risk Models in conjunction with Mark IV's flexible credit policy rules-base to facilitate an automated or recommended approve or decline decisions.  Please click the Fair Issac logo for more details. 

Scoring Solutions™ is nationally recognized as a premier provider of credit scoring models. The company, formed in 1993, provides credit and marketing scorecards, segmentation systems, training and validation services.

Scoring Solutions™ provides analytical expertise beyond the typical “pooled-data” scorecard. The Scoring Solutions™ scorecards are developed using expert criteria that are specific to your industry. This expert focus results in highly predictive scorecards that yield less risk, fewer write-offs, and increased profitability for your portfolio. When sufficient data is available, Scoring Solutions™ will develop a customized scorecard for you based specifically on your own data. After all, there is no better predictor to forecast the risk of your applicants.

Scoring Solutions™ prides itself on providing world-class customer service and support. As best stated by a satisfied Scoring Solutions™ customer, “Scoring Solutions™ differs from their competitors in that they provide custom, tailored solutions and a high level of service; the client does not get a standard package”.

As a Scoring Solutions™ customer, you will receive periodic scorecard monitoring reports. In addition, you have free access to our consultants who will help you make sense of your data and provide recommendations based on your results. You can be assured that when you call Scoring Solutions™, you will speak directly with an analyst who is familiar with your model and results.

The Scoring Solutions™ expert scorecards are embedded in the Mark IV product to allow the user to quickly implement a successful credit scoring strategy that will facilitate automation and regulatory consistency in the underwriting process. Please click on the Scoring Solutions logo for more details.

 Asch Advisory Services LLC provides strategic and technical consulting for all aspects of credit risk management.  The firm combines deep technical expertise in analytics and automated decisioning with extensive domain knowledge in financial services to help our clients optimize their use of sophisticated credit risk management solutions.

Asch Advisory Services delivers actionable strategic and technical insight allowing financial services companies to increase their portfolio profitability.  Our clients derive significant benefit whether they are launching a new portfolio or fine-tuning existing ones.  We help you manage portfolios across the entire credit life cycle from new account acquisition through account and portfolio management.  

Our experience with complex decision systems and sophisticated credit policy environments guides you in quickly integrating “best practices” credit decisioning capabilities into your environment.  We combine the practical with the technical to aid you in enhancing the effectiveness of your operations so that you can maximize your portfolios’ potential.