Credit Origination

  • Includes application, applicant, product, policy, and channel information  
  • Supports comprehensive review of underwriting performance, decision efficiency and policy adherence


Booking & Servicing

  • Includes account, customer, product, pricing, status, delinquency, and financial performance information
  • Historical snap-shots, inclusive of all balance, pricing and payment performance 
  • Supports detailed analysis of profitability, portfolio dynamics and credit scoring


Deferment & Forbearance Monitoring

  • Tracks student borrowers as they migrate in and out of repayment statuses
  • Supports development of Markov matrices to improve collection and loss forecasting


Charge Off & Recovery

  • Includes charge-off type, charge-off and recovery financials, recovery agency
  • Monitors claim filing with guarantor agencies and monitors claim payment performance
  • Enables dissection of credit defaults, recovery success, credit risk segmentation, loan loss reserve calculations

For more information about BAAX or to begin a consultative engagement, please contact us: