ONE PLATFORM.
COUNTLESS SOLUTIONS.

Take action! Ensure long-term stability and profitability by proactively managing your balance sheet with dependable and defendable analytics.

Explore ZMFS to discover how we continue to inspire confidence in an uncertain financial world.

INDUSTRIES WE SERVE

Join the 2,000+ financial institutions who choose ZMFS for their ALM modeling software needs
to align their capital, earnings and risk profiles with their company strategies.

Community and Regional banks simplify disparate processes by integrating ALM, stress testing, and portfolio management using our in-house platform. More targeted analytics are available through cloud solutions that offer highly secure web delivery.

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Join our growing community, as our solutions are found in small to very large credit unions as well as corporates. Cloud-based or in-house, our models help Supervisory Committees monitor key indicators to maximize profit and minimize market risk.

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Show your clients the effects of decisions before they are made. Many Broker/Dealers utilize our model to help demonstrate impact analysis, so their clients can invest in the right portfolios to achieve their goals.

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Efficiently manage numerous institutions and help your clients meet their risk requirements with one platform.

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CURRENT NEWS

Latest News—

ZMFS Adds News Instrumentation to Assist with Solar Panel Loans for Tax Credit Structure Changes

ZMFS is helping clients take the “guess work” out of the equations on repayment/re-amortization for solar panel loans by developing a new instrument that models these loans reflective of the tax credit structure. The structure has extra variables, such as the tax credit repayment date and the expected tax credit amount, that can pose a challenge when forecasting cash flows.

Latest News—

Mortgage Prepayment Model Gets Refit to Help Analysts Better Manage Refinancing Surge

In response to fluctuations in the mortgage marketplace due to the COVID-19 crisis, ZM Financial Systems (ZMFS) recently refit their proprietary prepayment model. The model treats different collateral types equally under a unified framework and projects voluntary and involuntary prepayments simultaneously.  Collateral coverage includes conforming 30-year, 15-year, hybrid ARMs and Jumbo mortgages.

Latest News—

Crisis Simulations and Strategies: Financial Institutions Connect to Discuss Forbearance Modeling, Negative Rates and SOFR

More than 70 of ZM Financial Systems’ clients connected virtually this week to discuss simulations and strategies regarding modeling in this uncertain economic time. This peer-led roundtable focused on the impact the COVID-19 outbreak is having on financial institutions.