Historical levels of dislocation in the residential mortgage market, increasing market distress, lack of liquidity, rapidly declining property values and increasing delinquencies demonstrate the value of an aggressive risk mitigation program. Mortgage industry participants must learn from their mistakes and change their approach to risk. As the market leader in delinquent forensic reviews, Digital Risk is uniquely positioned to advise mortgage industry participants on how to prevent this from happening again. Our veteran industry professionals have a unique understanding of loan-level credit fundamentals, complex securitization structures, and loss recovery methods.

Given the complexity and scale of the current market’s demand for loss recovery and risk mitigation, Digital Risk takes a 360 Degree Approach™ to the problem by combining predictive Analytical Tools with Expert Services. Analytical Tools on their own drive efficiency that Expert Services cannot, while Expert Services drive an accuracy that Analytical Tools cannot. When integrated together, a 360 Degree Approach results delivering next generation risk mitigation and loss recovery solutions.

Digital Risk’s Analytical Tools expose and teach our analysts new correlative relationships between input data and risk. Simultaneously, feedback from our team of analysts, whether new unique data sources or correlation hypotheses, is incorporated into our Analytical Tools. This 360 Degree Approach™ accelerates and enhances our ability to develop solution conquer complex problems in the residential mortgage industry.

An intended and important by-product of Digital Risk’s 360 Degree Approach™ is root cause analysis of unforeseen risk and an accompanying process roadmap to its future prevention. A client’s ability to detect and predict the risk utilizing the data and experience from the previous cycle provides a significant information advantage to distressed asset investors and new originations as we enter the next cycle.

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