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Decisive provides the most sophisticated loan and lease portfolio analysis in the auto finance industry. This technical analysis will give you insightful perspectives on capital allocation, loss provisioning, securitizations, pricing models and residual analysis. Our analysis covers not only present conditions, but can be modified to test for hypothetical and "what if" situations as well. This will give you greater insight into what best or worst case scenarios could arise and everything in-between.
Our unbiased perspective, supplemented with decades of experience in the industry, allow us to provide banks, credit unions, and finance companies with information to make the critical business decisions faced by industry executives today.
We provide analysis for managing:
- Credit loss provisioning and reserve adequacy
- Residual provisioning and reserve adequacy
- Residual value risk analysis
- Collateral depreciation
- All aspects of auto loan and lease pricing
- Portfolio static pool reporting
- Lease residual value insurance and special trusts
- Dealer marketing, servicing, and relationship building
- Insurance purchase versus self-insurance
- Unlimited potential to test hypothetical "what if" situations
Whether you are evaluating securitization options, offering loans or leases for bulk sale, or preparing for Basel II regulation, our team can help provide you with the hard information you need.
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