CASH CRE – Commercial Real Estate Analysis and Stress Testing

CASH CRE is a fully scalable analytical tool that quantifies the debt service capabilities and loan to value positions of commercial real estate – both now and in the future. CASH CRE is designed to help reduce loan losses resulting from unanticipated structural changes in a property’s revenue and/or expense during the life of the loan.

Commercial real estate loan risks change throughout the life of the loan. Your analytical systems should help identify the impact of future changes in rental income, interest rates, expense factors and vacancy rates on debt service coverage and loan to value.

CASH CRE does just that. It’s designed to facilitate the initial loan underwriting while at the same time providing a framework within which bankers may stress test properties and, using CASH GlobalView™, portfolios for the impact of future events.

Features

CASH CRE offers an easy to use framework within which to analyze the current and potential future performance of your commercial real-estate loans. It accomplishes this by facilitating both the initial underwriting and stress testing as well as the ongoing management over the life of the loan.

CASH CRE provides a framework to consistently analyze properties to determine loan to value and debt service coverage for all property types. Users can easily stress test properties to determine sensitivities to the impact of changes in rental rates and expenses, interest rate shocks, and vacancy rate changes on “loan to value” and “debt service capacity”.

CASH CRE supports the ability to develop valuations based on market and/or portfolio average cap rates. Using CASH CRE and CASH GlobalView, report on real-estate concentrations by property type, lender and more. Using CASH GlobalView, stress test the real-estate portfolio for changes in rents, interest rate shocks, expense and vacancy rate volatility by property type or geographical segment.

Use the flexible forecasting tools within CASH CRE to identify future property financial capacity. Share data and analysis with CASH Reward™ to facilitate underwriting and risk measurement for all property types.

As a fully scalable enterprise solution, CASH CRE offers the ability for groups of users to share data and analysis regardless of where they’re located. CASH Suite™ makes supporting the most diverse business structures a breeze utilizing it’s virtual organizational security model. And the data is always maintained within a relational database located within the client’s organization.

CASH CRE works seamlessly with Microsoft Office® products like Excel, Word, Access and Outlook to leverage and extend each user’s desktop applications skills and experience. So incorporating data and analysis in credit memos, business development proposals, credit reviews and more is a snap.