Case Study 2

The Need

Forward flow mortgage partnerships depend on two outcomes that must be repeatable month after month. Both parties need confidence that mortgage loan-level data is complete, consistent, and current. The investor also needs transparent evidence that the mortgages originated in its programme meet the criteria agreed with the originator.

The Challenge

The client needed to strengthen three areas of its operating model.

1. Single source of truth. Mortgage loan-level data was being prepared across multiple
   extracts, which created reconciliation effort and reduced confidence that all stakeholders
   were working from the same version of the truth.

2. Investor-specific transparency. Each economic owner needed a clear view of the
   mortgages originated for its programme, presented in a way that supported portfolio
   oversight and month-to-month interrogation.

3. Criteria governance. The partnership required a controlled, testable way to evidence
   that originated mortgages met agreed programme criteria, and to highlight exceptions in
   a clear and explainable manner.

What InCol Intelligence delivered

The solution combined three connected capabilities within InCol Intelligence.

1. Data Integrity. Automated checks identify and remediate common data issues,
   ensuring reporting and oversight are based on consistent, trusted inputs and creating a
   single source of truth across the organisation.

2. Investor-specific portfolio views. The platform provides segmented views aligned with
   economic ownership, allowing the originator to share mortgages relevant to each
   investor and to support investor interrogation without rebuilding bespoke extracts.

3. Criteria management. A built-in criteria management system captures the programme
   rules agreed between the originator and investor and applies them consistently to newly
   originated mortgages, providing a clear view of what meets criteria and what is flagged
   as an exception.

Monthly Operating Rhythm

Refresh the mortgage loan-level dataset used for investor reporting and oversight.

1. Run Data Integrity checks and resolve exceptions upstream.

2. Apply the partnership criteria using the criteria management system.

3. Publish or refresh the investor-specific view for each economic owner.

4. Support monthly investor interrogation of portfolio composition, eligibility outcomes,
   and changes over time.

Results

The client established a single source of truth for mortgage loan-level data, materially improving confidence for both the originator and its investors.

Investors gained transparent, investor-specific access to the mortgages originated for their programme and could interrogate their portfolio each month using consistent data and criteria logic.

The same operating model supported multiple forward flow mortgage investors, including a European insurance company and an international investment bank, without creating a separate reporting process for each relationship.