THC is committed to providing community banks and credit unions with the best in class asset/liability management (ALM) analytics to enhance performance. The THC NetworkTM Partnership Program is established to provide community banks and credit unions access to multiple services. Today, our partners offer solutions including core processing, CALL reporting, strategic consulting, ALM consulting, loan transactions, CD funding, liquidity back stop, and financial block chain technologies.
has partnered with multiple institutions to deliver quality ALM services to their membership base. THC is the only cloud-based ALM analytical solution that can make this unique partnership possible. The business arrangement is simple:
Share a Common Analytical Platform
Our partners white label our product, THC NetworkTM . THC NetworkTM is a comprehensive ALM analytics platform that provides interest rate risk, liquidity risk, and credit risk reporting, financial simulations, budgeting, loan transaction analysis, trade simulations, CECL, variance analysis and more. You can leverage the THC financial modeling brand. Financial models are based on the state-of-the-art standards maintained by Thomas Ho, PhD over 35 years of experience. Our partners can use any part of the comprehensive portfolio of balance sheet analytics. We share the same analytical platform to ensure efficiency in supporting partners' clients and relationships.
A revenue sharing model is utilized to ensure the two companies share common goals. No cost is imposed upon the partner until revenue has been generated.
Deepen Your Relationships
No need to share relationship information with THC while servicing your clients.
2006 THC was selected as the sole provider of risk report by a Federal Bank regulator for banks of all sizes.
2017 THC has extended the cloud-based ALM solution to offer clients a network of opportunities
Constructed residential mortgage loans prepayment-default models for FHFA,FNMA and FHLMC
Assisted bank mergers during the 2008 Financial Crisiss
Sole provider of interest rate risk reports for OTS/OCC for 6 years for all thrifts. Launched the first cloud-based ALM solutions
Named by A.S.Pratt as One of the Best ALM systems of the 21st Century.Launch THC Financial Officer TFOTM a loan transactional platform
ALM Analytic with CECL incorporated at loan level to drive smart decision to consume assets or divest assets or divest assets intelligently
Target 2,000 + clients [Asset Ranges:$30M to $5B]
Loan Transaction are key to banks profitability
The database consists of detailed loan level data accumulated since 2006. The data includes
quarterly or monthly information such as historical payments, performing status, delinquency
days and more. Extensive research has been completed on the large data base of loan level data
accumulated over 10 years. The database also contains comprehensive market data accumulated
since 2004, covering market rates, loan spreads, rate volatility, TBA prices, and loan secondary
market prices from THC Loan Desk.
Proprietary research includes all the available regulatory CALL report data, including CRM /
TFR data for the thrift banks since 2004, to incorporate interest rate risk analysis. The
research data also includes over 10 years of loan back testing for banks, including both
prepayment and loss default analysis.
The loan data covers nearly all loan types including construction loans, land loans, 1-4 family
mortgages, 2nd mortgage, HELOC,multi-family loans, CRE, farm land loan, agriculture loans,
commercial loans, credit card, auto loan, personal loans and other consumer loans etc. The Loan
trading data from loan markets, covers 1-4 family loans, 2nd mortgage, HELOC, auto loan, CRE, SBA
and multi-family loans and more.
In sum, there are over 60 million loan records with market trend data for 15 years.
THC library of analytics have been built since 1987, continually supported and enhanced by Thomas Ho’s PhD, founder/president research and business experience.
1979 - 1987 Professor, Stern School of Business, New York University
1987 - 1997 Founder/President GAT, a global company providing ALM solutions to over 200 large financial institutions
1997 - 2006 retained consultant to AIG enterprise risk management
2006 - 2012 sole provider of the risk report NPV for OTS/OCC for the regulated banks