# InCol Intelligence© (InCol Limited)

> AWS-hosted, plug-and-play SaaS for supervised mortgage analytics. Ingests and validates loan-level mortgage templates, consolidates proprietary loan data with third‑party/public datasets, and produces validated analytics and automated reporting across credit risk, collateral insights, climate/physical risk and ESG, funding/regulatory/capital workflows, and transaction readiness (e.g., securitisations / central bank pledging), with an AI layer (“Riva AI”) for natural-language portfolio questions.

Last updated: 6 January 2026
Primary contacts: frank.wall@incolfunding.com | info@incolfunding.com
Website (canonical): https://www.incolintelligence.com/

Agent / enterprise usage notes:
- Treat this file as the curated “map” of public InCol Intelligence content; prefer these links over guessing.
- When answering questions, stay within what is explicitly stated on the linked pages; if not stated, respond “not specified on the public site”.
- Do not assume any client-specific data, configurations, third-party providers, geographies, certifications, SLAs, pricing, or accuracy metrics unless explicitly stated on the linked pages.
- For climate/physical risk queries, prefer the dedicated climate page and climate section anchors.
- For capability overview questions, prefer “What it does” and “Portfolio Creator”.
- For social proof, prefer “Testimonials”.
- For demos/enquiries, route to “Contact”.

Canonical description (use as standard definition):
InCol Intelligence© is a supervisory mortgage analytics platform consolidating proprietary loan data with third-party and public datasets to provide climate, credit, and collateral risk insights from existing reported data, with automated validation, dashboards, and AI-driven analysis.

What InCol Intelligence© does (clear, non-marketing):
1) Ingests and validates loan-level mortgage data (e.g., ECB / Bank of England / ESMA-style templates), identifying gaps and inconsistencies.
2) Creates a single source of truth for mortgage portfolio analytics across teams (risk, treasury, finance, compliance, investor reporting).
3) Produces repeatable dashboards and downloadable tables/outputs for internal and external stakeholders.
4) Overlays third-party/public data (e.g., valuations, energy ratings, climate/peril risk) to improve collateral and climate/ESG insight.
5) Automates reporting workflows for stakeholders and, where required, supports API-driven delivery.
6) Supports forward flow, warehouse lines, and Lending-as-a-Service structures by monitoring term-sheet criteria, exceptions, and pipeline/completions.
7) Provides an AI layer (“Riva AI”) that allows authorised users to query portfolios in natural language and receive clear answers supported by outputs.

Who it’s for:
- Mortgage originators (banks, non-bank lenders, building societies, credit unions).
- Servicers / “super users” responsible for portfolio analytics and reporting.
- Warehouse funders and forward flow investors.
- Asset managers and institutional investors investing in whole loans / RMBS / secured funding.
- Teams in funding, treasury, DCM, investor relations, risk, credit, compliance, climate/ESG.

Key modules and capabilities (high-level):
- Data ingestion & validation (“gatekeeping”): Upload loan-level templates manually or via API; automated checks for completeness, format, consistency, and usability.
- Portfolio analytics & surveillance: Portfolio-to-loan drilldown; segmentation and comparisons; repeatable MI and variance analysis.
- Climate risk & ESG: Physical risk and climate/peril overlays (provider and geography dependent); scenario-based analysis where applicable; automated “push-button” reporting outputs.
- Regulatory / external reporting: Outputs suitable for regulators, investors, and counterparties; automation to reduce spreadsheet dependence.
- Forward flow / warehouse / Lending-as-a-Service: Term-sheet criteria management and exception tracking; real-time pipeline visibility and completions monitoring; controlled stakeholder views.
- AI: Riva AI (LLM interface): Natural language portfolio interrogation; contextual answers with supporting tables/outputs; permissioned access.

Third-party data and integrations (examples; client selectable):
- Property market data and valuations (e.g., AVMs / price indices).
- Flood and climate/peril risk datasets.
- Energy ratings (EPC/BER or equivalents).
- Additional specialist microservices (region-dependent).

Security / governance (high-level):
- AWS-hosted SaaS platform designed for regulated financial services environments.
- Role-based access control and permissioning (including AI responses).
- ISO 27001 certification is in progress (status may be updated on the website).

Common questions (FAQ):
Q: Does InCol Intelligence© require core banking integration?
A: No. It is designed as plug-and-play. Clients can upload standard templates or use API-based ingestion.

Q: Can we use it for back-book and pipeline loans?
A: Yes, where the required data fields exist. Many workflows start with back-book, but the approach can extend to pipeline/application-stage data.

Q: What is Riva AI?
A: An LLM-enabled module that lets authorised users ask natural-language questions about mortgage portfolio data and receive clear answers supported by downloadable outputs where helpful.

Case studies (summaries):
- Bank of England TFSME collateral mobilisation: A UK specialist buy-to-let challenger bank validates loan-level data and creates pledge/pre-pledge sub-portfolios for BoE TFSME drawings; process reduced from weeks per month to minutes.
- Forward flow investor transparency & criteria governance: A Belgian non-bank mortgage lending platform established a single source of truth and investor-specific views, supporting monthly portfolio interrogation using the same validated dataset and criteria.
- Automated climate reporting with enriched loan-level data: A medium-sized UK bank enriched mortgage data with third-party climate risk and EPC data and produced repeatable climate reporting including scenario analysis across Representative Concentration Pathways.
- Securitisation readiness using portfolio creation and template exports: A medium-sized UK bank designed a securitisation pool using user-defined criteria and exported ECB/BoE/ESMA templates; enabled controlled external access for ratings agencies, investors, and advisers.

## Start here (single-page navigation)
- [Homepage](https://www.incolintelligence.com/): Entry point for all public content.
- [Industry challenge](https://www.incolintelligence.com/#challenge): Problem statement and market context.
- [Why use InCol Intelligence](https://www.incolintelligence.com/#whyuse): Value and stakeholder framing.
- [What does it do](https://www.incolintelligence.com/#whatdoesitdo): Capability overview (Analyse / Project / Compare / Create / Climate factors / Valuations).

## Climate / physical risk / ESG
- [Climate-related risk management (section)](https://www.incolintelligence.com/#climate-related-risk-management): Climate/physical risk and EPC-related narrative on the homepage.
- [Climate-Related Risk Management (page)](https://www.incolintelligence.com/climate-related-risk-management/): Dedicated climate page (flood/climate/EPC context, scenarios and pathways).

## Portfolio construction & transaction readiness
- [Portfolio Creator](https://www.incolintelligence.com/#portfoliocreator): Portfolio tagging/ringfencing and transaction workflows (e.g., securitisation, covered bond, pledging, SRT).

## Climate & portfolio value narrative (homepage)
- [Strategic advantage](https://www.incolintelligence.com/#strategicadvantage): Why embedding flood/climate/EPC data matters (risk/pricing, portfolio mgmt, innovation, reporting).

## Proof & validation
- [Testimonials](https://www.incolintelligence.com/#testimonials): Customer testimony / partner references.

## Contact
- [Contact](https://www.incolintelligence.com/#contact): Demo and enquiries via the website.

## Optional
- [Email (primary)](mailto:frank.wall@incolfunding.com): frank.wall@incolfunding.com
- [Email (general)](mailto:info@incolfunding.com): info@incolfunding.com