Lenders
Book-wide monitoring and revaluation to EBA GL/2020/06, triggers, cadence and audit evidence handled continuously.
Portfolio management · post-origination
Keep every home on your book compliantdefensibleaudit-ready
Geowox monitors and revalues the properties behind your loans after origination, blending Advanced Statistical Model (ASM) valuations, as defined under the CRR, with our standing valuer panel, exactly as set out in EBA GL/2020/06, Chapter 7.2.
0%mapped to EBA GL/2020/06 ch. 7.2
0outputs: spreadsheet, PDF & dashboard
EAAFully accredited ASM under European AVM Alliance
What's happening
Triggers caught automatically. LTV breaches and policy cadence, never missed.
Revaluation queue Trigger detected
Loan #48213Blackrock, Cork, T12 XR84 · 36 months since origination
LTV breach
Loan #47160Salthill, Galway, H91 K2P6 · policy-driven cadence
Queued
Method cascade Routing live
ASM valuationBest matchPostcode-level · backtested
Valuer: desktopASM-supported · 1.2d avg
Valuer: drive-byExternal inspection · 2.4d avg
Screening In review
Loan #48213
€312,400Screened against three sources
Sale history, HPI-adjusted
Live listing pricing
Comparable value range
Verified ✓
Outputs Complete
Spreadsheet
PDF pack
Dashboard
Logged loan-by-loan to the audit trail
Who it's for
Lenders, servicers and funds, one monitoring engine.
The same cascade, screening and outputs, whether the book is on your balance sheet, under your mandate, or in your fund.
Credit servicers
Run revaluation programmes across the books you manage on mandate, client-by-client reporting from one platform.
Credit funds
From due diligence to hold-period monitoring, the same data, methods and dashboard across the life of the position.
What you receive
One revaluation. Three outputs.
Every property we monitor produces the same three outputs, built so your risk team, your valuers, and your reviewers each get exactly what they need.
1spreadsheet, full book
A detailed spreadsheet, all hard data
Every valued property in one file, method used, value, confidence, comparables, LTV impact and trigger history, ready to drop into your own risk or reporting systems.
1PDF, per home valued by a valuer
A signed valuer PDF, per property
Wherever a valuer carries out an analyst review, desktop or drive-by valuation, you get a standalone signed-off report, ready to file, share or present.
1dashboard, whole book on a map
One dashboard, everything brought together
Every valued home plotted on an interactive map, so your team can spot-check individual valuations and the comparables behind them before anything reaches your book.
EBA GL/2020/06 · Section 7.2
Monitoring and revaluation, built to the letter of Chapter 7.2
Six components, working together, so your back book is monitored the way the guidelines describe, not just a valuation refresh bolted on afterwards.
01 · Cadence & triggers
Frequency set to your risk policy
Property type, credit quality, development status, LTV and market movement drive how often each loan is reviewed, higher-risk exposures monitored more closely, as ch. 7.2.1 sets out.
02 · Method cascade
Statistical first, valuer when it matters
Revaluations run through Advanced Statistical Models (ASM) or index-based models by default, and cascade to the valuer panel, analyst review, desktop or drive-by, whenever your policy or Article 208(3) conditions call for it.
03 · Advanced Statistical Models (ASM)
Property- and location-specific models
Advanced Statistical Models, the CRR-defined term, granular to postcode level, HPI-adjusted, backtested against observed transaction prices, and built on a large, representative, up-to-date sample, meeting the ch. 7.4 criteria in full.
04 · Standing valuer panel
A human eye, on demand
Our accredited, rotated panel of independent valuers carries out analyst reviews, desktop valuations and drive-by inspections wherever the cascade, or your policy, asks for one.
05 · Comparables & quality dashboard
Spot-check every valuation and its comparables
An interactive map of every property monitored, with the method, value and comparables used for each, plus management information on value movement, confidence, exception rates and geographic exposure. Built for reviewing quality, not just displaying results.
06 · Full audit trail
Loan-by-loan, ready for supervisors
Every trigger, method, valuer and comparable is logged and linked back to the underlying loan, for your internal control framework and for your competent authority.
Our standing panel
Analyst reviews, desktop and drive-by: ready when the cascade calls for one
The panel behind the statistical models, vetted, rotated and monitored exactly as EBA GL/2020/06 ch. 7.3 requires.
Analyst review
Model output, reviewed by a person
Where a statistical value needs a second look, a senior analyst checks the inputs, assumptions and comparables before it's confirmed.
J. Okafor · Senior analyst
Active
Desktop valuation
Valuer-led, remotely
A qualified valuer assesses the property using available data and imagery, and can be supported by our statistical models as a confidence check.
M. Novak · RICS valuer
Active
Drive-by valuation
An external, in-person view
A panel valuer inspects the property and its surroundings on-site, for the cases where a remote view isn't enough.
S. Byrne · TEGoVA valuer
Active
Getting started
From back book to full compliance, in three steps
No rebuild of your existing systems required. Bring us your book and your policy, and we run the cycle.
Set your monitoring policy
We map your existing cadence and triggers (LTV, credit quality, property type, development status) straight into the platform, aligned to GL/2020/06 ch. 7.2.1.
We run the cascade
Each property is revalued statistically by default, and routed to the panel (analyst review, desktop or drive-by) whenever your policy or the guidelines call for a valuer.
Get spreadsheet, PDF & dashboard
Every result lands as a structured spreadsheet, a signed valuer PDF per property, and one dashboard mapping the whole book for spot-checking.
Use cases
Built for ongoing compliance. Ready for a transaction, too.
The same cascade, panel and dashboard support your day-to-day book, and any deal that depends on knowing exactly what it's worth. Accredited ASM revaluations can replace indexation, improving capital efficiency for provisioning and securitisation.
Ongoing book monitoring
Keep your existing book in line with EBA GL/2020/06 ch. 7.2 without adding headcount: automated cadence, a defensible method for every property, and a full audit trail ready for your competent authority.
Loan book disposals
Produce an independent, defensible revaluation of a loan book ahead of a sale, backed by a dashboard buyers can spot-check property by property, comparable by comparable.
Acquisition & RMBS/ABS due diligence
Revalue an incoming book before acquisition, or support securitisation due diligence, with the full spreadsheet, valuer PDFs and dashboard delivered in the format your deal team already works in.
Questions
Frequently asked, about portfolio monitoring
The practical details on compliance, methodology and outputs.
Directly to Chapter 7.2, Monitoring and revaluation. Cadence and triggers follow ch. 7.2.1's factors (property type, credit quality, development status, value and market conditions), and the choice between a statistical model and a valuer follows the same conditions set out under CRR Article 208(3) referenced in paras 225–226.
By default, monitoring and revaluation run through statistical or index-based models. Where Article 208(3) conditions are met, or your own policy asks for it, the case is routed to our panel for an analyst review, desktop or drive-by valuation. A valuer always remains responsible for the final value, even where a statistical model supports it.
Every valued home, plotted on an interactive map, with the method used, the resulting value, a confidence indicator and the comparables behind it. It's built for spot-checking quality, so a reviewer can open any property and see exactly why it was valued the way it was.
Three: a detailed spreadsheet covering the full book with all the hard data, a signed PDF report for every home valued by a valuer, and the interactive dashboard that brings both together.
No. The same cascade, panel and dashboard support sell-side and buy-side loan book transactions, and due diligence ahead of an RMBS or ABS securitisation, the outputs are the same, just scoped to the book in question.
Yes. Geowox is a member of the EAA (European AVM Alliance), and our Advanced Statistical Models (ASMs) are built and backtested to the ch. 7.4 criteria: property- and location-specific, regularly backtested against observed transactions, and based on a large, representative, up-to-date sample.
Bring your back book into ch. 7.2 compliance
See how the cascade, the standing panel and the dashboard work together on your own portfolio, no rebuild of your existing systems required.