Track every loan in your Schedule A/B portfolio against real-time property data. Model CECL reserves with collateral-level detail. Monitor concentration risk across your commercial mortgage book.
Your commercial mortgage portfolio is only as strong as the properties behind it. Atrium links every loan to its collateral — with real-time signals on property condition, ownership, and market dynamics.
Track your NAIC Schedule A (real estate owned) and Schedule B (mortgage loans) at the individual property level. See collateral condition, occupancy trends, and comparable sales for every asset.
Enrich your CECL models with property-level collateral data: recent appraisals, comparable sales, rent trends, and occupancy. Move beyond pooled assumptions to loan-level loss estimation.
Monitor the value of your mortgage collateral using comp sales, tax assessments, and market-level cap rate trends. Get alerts when collateral values diverge materially from your underwritten basis.
Generate real-time concentration reports by property type, geography, borrower, and maturity band. Support regulatory filings with loan-level portfolio decomposition.
Identify when your portfolio shares borrowers, sponsors, or properties with other institutional lenders. Detect systemic risk concentrations that individual loan reviews don't reveal.
Monitor portfolio collateral for distress signals: tax liens, lis pendens, tenant bankruptcies, and maturity defaults. Catch deterioration early enough to restructure or exit.
The data behind the edge.
From quarterly reserve reviews to real-time collateral monitoring, Atrium gives your investment and risk teams the property-level intelligence that traditional portfolio systems can't provide.
Enrich your CECL loss models with current collateral data for every loan. See recent comp sales, tax assessment trends, and occupancy signals at the property level — without manual appraisal ordering.
Set up monitoring on your entire mortgage book. Get alerts when collateral properties show distress: tax delinquencies, ownership changes, tenant bankruptcies, or court filings.
Before committing to a new commercial mortgage, see the full property history: prior liens, ownership chain, modification record, and comparable financings in the same submarket.
Generate NAIC-ready concentration reports breaking your portfolio by property type, geography, LTV band, and maturity. Support examiner requests with loan-level collateral detail.
"We identified a $120M collateral value decline across 14 properties in our office mortgage book — months before the annual appraisal cycle would have caught it."
Join the insurance investment teams using Atrium to monitor collateral, model reserves, and report concentration risk with loan-level precision.