ZMFS Welcomes New Clients

ZMFS is pleased to welcome four new institutions to our growing client list: Nicolet National Bank Midland States Bank, Clackamas Federal Credit Union, and Atlantic Capital Bank, N.A.

2020-10-15T13:51:28+00:00October 15th, 2020|

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.

2020-08-12T12:41:13+00:00August 12th, 2020|

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.

2020-07-20T17:06:40+00:00July 20th, 2020|

ZM Financial Systems Caps Record Year with New Hires

Celebrating a successful 16th year in business, ZM Financial Systems (ZMFS) continues its focus on innovation with the addition of new hires Mike Bollinger, Kayla Nie and Dan Delean. These individuals will assist ZMFS in the areas of behavior modeling, reporting, information technology and client management.

2019-12-11T14:16:46+00:00December 11th, 2019|

Validation Confirms Sound Modeling Theory for Latest ZMdesk Version

ZM Financial Systems (ZMFS) recently received third-party model certification validation for its flagship product, ZMdesk™ (Version 4.70). Certified by ALM First Analytics, LLC, ZMdesk users “can have confidence that the fundamental calculations and operational capabilities of ZMdesk are accurate and the modeling theory is sound.”

2019-11-21T19:05:15+00:00November 21st, 2019|

ZMFS Welcomes The Farmers Bank of Willards

ZM Financial Systems is pleased to welcome The Farmers Bank of Willards as our newest Online CECL client. A leader among independent community banks, The Farmers Bank of Willards is located in Willards, MD, with eight branches serving the Wicomico and Worcester counties.

2019-09-12T12:52:17+00:00September 12th, 2019|