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BRES AUS
Automated Credit Underwriting System
Automated underwriting system for credit and collateral.
BRES supports all loan origination activity including non-agency production. The system is designed to bring transparency to guidelines by showing all the relevant guideline rules for a particular loan, the proper calculation methodology for the scenario in question, and the reason for the guideline variance.
The system can be plugged directly into your loan origination system (LOS), quality control platform, or due diligence system.
100%
Coverage of all guidelines while using over 1,000 data points
:04
Average time to get results
Why Choose BRES
Automate Decisioning
Automates the credit decisioning process, allowing for an analysis versus multiple guidelines and overlay sets at once. Configurable compensating factor logic to automate allowance decisioning.
Centralize Workstreams
Provides a consolidated platform for agency and non-agency lending. Streamlines non-agency origination activity resulting in a higher degree of certainty for secondary market sales efforts.
Automate Decisioning
Centralize Workstreams
Automates the credit decisioning process, allowing for an analysis versus multiple guidelines and overlay sets at once. Configurable compensating factor logic to automate allowance decisioning.
Provides a consolidated platform for agency and non-agency lending. Streamlines non-agency origination activity resulting in a higher degree of certainty for secondary market sales efforts.
Key Features
Fully Customizable
Calculation methodologies (income, assets, debt, etc.) that can be customized at the guideline level.
Auditable Findings
Findings summaries include what guidelines were relevant for a given loan based upon the underlying characteristics of the loan.
Supports Agency Requirements
Supports grading of loans for client driven classification and rating agency (NRSRO) classifications. Ability to run representation & warranty (R&W) rules to ascertain risk under MLPA’s or similar agreements.
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