Vision™ is a sophisticated risk management and valuation software designed for financial institutions. It integrates MIAC Analytics' valuation technology with advanced behavior modeling and stress testing capabilities to accurately measure various financial risks. The software helps institutions quantify and manage the potential risk of loan losses, interest rate shifts, market changes, and liquidity issues. Key outputs from Vision™ are utilized for pricing, spread/yield calculations, duration and average life assessments, CECL/Credit loss components, and for performing essential financial planning functions such as budgeting, forecasting, capital planning, stress testing, and regulatory reporting.

The platform supports a wide range of assets including Bonds and Investments, Auto Loans, Commercial Loans/Mortgages, Residential Mortgages, Consumer Loans, and Mortgage Servicing Rights. For liabilities, it handles Non-Maturity Demand Deposits, Certificate of Deposits, Maturity Deposits, Hedging Instruments, Credit Default Swaps, and Notes/Lines of Credit. Vision™ allows users to stress test portfolios by incorporating macroeconomic variables alongside specific loan attributes. It offers detailed valuation reports, regression-based credit modeling (MIAC CORE™) for defaults, prepayments, and losses, and supports custom modeling for these components. The interest rate model within Vision™ is highly configurable, allowing adjustments to rate variables and models, including SOFR/OIS, Ameribor, FF/OIS Forward Rates, Volatility Surface Calibration, Swap Rates, Eurodollar (ED) Rates, and Constant Maturity Treasury (CMT) Values. Valuation reports cover all asset types and include detailed income statements (with breakouts for legacy and new volume), balance sheets (with provisions and NPLs), and a scenario tool that reports risk-weighted assets, provisions, and equity changes based on future earnings or losses.

All Vision™ software solutions include comprehensive onboarding, with close collaboration with the client's IT department for installation and initial setups. MIAC Analytics provides extensive support, including 2+ days of onsite training, follow-up online sessions, and a web-based ticketing system for easy request submission and tracking. The support team's multiple locations ensure extended working hours. MIAC Analytics prides itself on its industry expertise, employing experienced professionals from the financial sector to better understand and address client needs.

Features & Benefits

• Risk Measurement and Management: Measures and manages risk of loan losses, interest rate shifts, market changes, and liquidity.
• Comprehensive Valuation Reporting: Provides detailed reports on assets, liabilities, income statements, balance sheets, and scenario analysis.
• Advanced Stress Testing: Allows stress testing of portfolios using macroeconomic variables and loan attributes.
• Configurable Interest Rate Models: Enables adjustments to rate variables and models, supporting various market rates and futures.
• Integrated Support and Onboarding: Offers full installation support, extensive onsite and online training, and 24/7 accessible customer support.