NPL Prediction

How does your NPL Future look?

Delinquent loans are on the rise across the U.S, and getting an accurate picture of the risk puts you in a place to make decisions on the best next step.

2020 was an unprecendented year that has seen a record number of both job losses and business closures, an event of such significance we have not seen since the Great Depression. The impact of these losses are still not fully felt as the PPP loan program from the U.S. government has provided temporary relief, and allowed for most banks to avoid catastrophic charge-offs.

While we are seeing some signs of economic hope at the start of 2021, the predictions around delinquent and non-performing loans (NPL’s) are that they will continue to rise to the levels of 2009/10 during the height of the financial crisis (see chart below). The adage “time is money” has never been more true as banks try to manage their charge-offs and minimize their losses. Capton provides that time in the form of a rolling 3 – 12 month window of NPL prediction.

A.I. - Based Early Warning System

Capton Leverages more than

160

Loan Data Attributes

24

Different AI Algorithms

A Sample of the Loan Attributes:

Loan Details

  • - Loan Amount
  • - Funded Amount
  • - Principal Amount Remaining
  • - Interest Rate
  • - Installments
  • - Grade
  • - Sub Grade
  • - Issue Date
  • - Purpose
  • - Title
  • - Outstanding Principal &
  • - Outstanding Principal Inverse

Credit Score

  • - Debt to Income Ratio
  • - Delinquency Rate - 2 yrs
  • - Earliest Credit Line
  • - FICO Range Low
  • - FICO Range High
  • - Inquiries Last 6 Months
  • - Months Since Last Delinquency &
  • - Months Since Last Record

Recovery/Collections

  • - Total Payments
  • - Total Payments Inverse
  • - Total Recovered Principal
  • - Total Recovered Interest
  • - Total Recovered Late Fee
  • - Recoveries
  • - Last Payment Date
  • - Last Payment Amount
  • - Next Payment Date
  • - Last Credit Pull Internal
  • - Last FICO Range High
  • - Last FICO Range Low
  • - Collections 12 Months Mediation &
  • - Months Since Last Major Derogatory

Account Status

  • - Open Account Date
  • - Public Records
  • - Revolving Balance
  • - Revolving Credit Utilization
  • - Total Accounts
  • - Recoveries
  • - Initial List Status
  • - Account Now Delinquent
  • - Total Collections Amount
  • - Total Current Balance &
  • - Open Accounts 6 Months

Other Solutions

Platform

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NPL Prediction

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Data Capture Automation

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