OCM - Optimized credit risk mitigation for financial institutions
Our software for collateralization of credit transactions and
our optimization tool OCM for collateralized loans will establish
the optimal order of priorities. This optimization results
in maximal exploitation of the bank's collateral.OCM is based on an optimization method that we have developed and for which we have filed an international patent. Due to this highly efficient method and due to the high performance of this software the daily calculation and evaluation of a bank's entire credit-portfolio is possible in a relatively short time. So in spite of the current changes of credit-balances and collateral values, an optimized value for the exposure of the collateralized risk capital is permanently calculated. And OCM makes it possible to take into account different technical criteria.
The result will be an optimized assessment of credit risk and consequently also an optimized employment of capital, according to the Basel II Accord.
Our optimization method is implemented in our dialog applications for collateralization as well as in tools for batch processes.