CMBS – Loan Scoring Model

CMBS – Loan Scoring Model

Context :

  • Automation and process improvement of CMBS Loan Scoring Model to increase the efficiency.



  • Creation of Integrated loan level databases.
  • Created MS Excel based macros to access the database and run the rules of scoring model


Issues :

  • Data table integration, non-supportive data format and lack of documentation
  • Transformation of Excel based calculation to database.


  • Automated CMBS loan scoring model to create reports for deals and easy to make changes as per changing requirements.
  • Increase in scalability and ability to run the model for 1000s of deals daily (previously 1-2 deals)
  • Faster decision making as loan level scores are available quickly