Berkshire Group is committed to understanding fundamental factors influencing and correlated with loan level performance, and then converting that understanding into systems and assumptions for predicting performance. We maintain massive databases tracking monthly performance of over 250 million loans. We capture dozens of cohort variables to allow us to slice and dice and distill relevant factors. We use the knowledge we obtain in developing loan prepayment curves and scores, delinquency and default curves and scores, servicing timelines, loss timing and severity and other key cash flow and valuation information.
Our primary performance systems include:
AssetAssayer™ – Used internally for predictive modeling and valuation projects, AssetAssayer is our primary consumer loan modeling tool.
BGVAL™ – Accessed through a secure, web accessed portal, BVAL is the platform by which we deliver the same data and analytics tools we use internally to our subscribing clients.
CDB.Deep.Dive™ – Accessed through a secure, web accessed portal, CDB.Deep.Dive is the platform by which we deliver overlaid economic and loan performance charts and graphs data and analytics tools to our subscribing clients.