Loan Central

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Overview

Turn strategy into results with pre-trade analysis and seamless marketplace execution.
QuantyPhi’s ALM360 Loan Central module is an electronic loan trading platform designed for credit unions to buy or sell whole loans or participations. It provides a secure, collaborative environment where credit unions can buy and sell whole loans or participations directly with one another, simplifying loan transactions and streamlining the process.

Loan Central integrates with ALM360’s Trade Simulation and Optimization modules, allowing users to simulate transactions, measure balance sheet impacts, and evaluate performance metrics ahead of execution.

Key Features

Centralized Loan Marketplace
A single platform where credit unions come together to trade loans electronically.
Comprehensive Credit Information
Access all relevant credit details through the Loan Central platform, ensuring transparency and informed decision-making.
Virtual Communication and Negotiation
Built-in tools allow buyers and sellers to connect virtually, exchange additional information, and negotiate prices and terms in real time.
Unified Analytics and Execution
When coupled with Trade Simulation, a credit union can model expected impacts to NEV, NII, Net Income, and liquidity, then execute trades from a connected marketplace, all inside one platform.

Benefits for Credit Unions

Transparency and Confidence
Full visibility into credit and pricing data and the ability to communicate directly with counterparties.
Efficiency and Speed
Electronic marketplace accelerates the process compared to traditional methods.
Community Collaboration
Foster relationships within the credit union network while meeting liquidity and portfolio goals.
Smarter Trades
See balance sheet impacts before you commit to a transaction with the Trade Simulation module. Run multiple trade simulations, compare alternatives, and review expected impacts to earnings, liquidity coverage, and risk metrics.

How it Works

Browse Loan Central’s Live Inventory
Access available loans and participations listed by other credit unions and market participants and identify candidates that fit your credit union’s strategy.
Review Credit Data
Analyze detailed tear sheets with loan and credit information provided through Loan Central.
Connect and Negotiate
Communicate virtually with counterparties to clarify details and agree on terms.
Complete Transactions
Finalize transactions securely within the platform. Maintain Compliance All trades are logged for audit and reporting purposes.

Use Cases

Balance Sheet Management
Offload excess loans from your portfolio or acquire loans to meet strategic lending goals.
Liquidity Needs
Sell loans quickly to generate cash or purchase loans to deploy excess liquidity.
Geographic Diversification
Acquire loans from other regions to broaden exposure and reduce localized risk.
Product Expansion
Buy participations in specialized loan types (e.g., commercial, mortgage) without needing to build extensive internal expertise.
Seasonal Volume Management
Offload seasonal spikes in lending or acquire loans during slow periods to maintain earnings.
Strategy Testing and Selection
Simulate multiple trade strategies with ALM360 Trade Simulation or Optimization modules, rank outcomes, and choose the approach that best fits policy limits and performance objectives.

FAQs

Loan Central is an electronic loan trading platform within ALM360, designed exclusively to buy or sell whole loans or participations. It provides a secure, collaborative environment for direct transactions between credit unions and other market participants, streamlining the loan trading process.

Loan Central offers transparency, efficiency, and speed in loan transactions. Credit unions gain full visibility into credit and pricing data, can communicate directly with counterparties, and execute trades using ALM360 platform capabilities, accelerating the process compared to traditional methods.

Credit unions can buy or sell whole loans or participations, including commercial, mortgage, and other specialized loan types. The platform supports a wide range of loan products to meet diverse portfolio and strategic goals.

Every trade executed through Loan Central is documented for compliance and reporting purposes. The platform maintains audit-ready records, ensuring that all transactions meet regulatory standards.

Yes. Loan Central includes built-in virtual communication and negotiation tools, allowing buyers and sellers to connect, exchange information, and negotiate prices and terms in real time before executing trades.

Credit unions can use Loan Central to offload excess loans from their balance sheet, acquire loans to meet strategic lending goals, and manage liquidity needs by selling or purchasing loans as needed.

Absolutely. The platform enables credit unions to acquire loans from other regions, broadening exposure and reducing localized risk.

Yes. Credit unions can offload seasonal spikes in lending or acquire loans during slow periods to maintain earnings and portfolio balance.

Loan Central provides comprehensive credit details and tear sheets for each listed loan, ensuring transparency and informed decision-making for buyers and sellers.

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