Add Confidence to Your Decisions by Mining Your Own Data: ZMBAM™

OnlineBAM™ from ZM Financial Systems

  • No software/hardware to purchase or maintain (cloud-based solution)
  • Load, analyze, segment, and pool your unique history to gain meaningful insights into past and future behavior
  • Project losses based on methods and Q-Factors that best fit your institution and product mix
  • Supplement your data with third party default metrics for proxies and benchmarking
  • Prepare results and disclosures with confidence


Win the Historical Loan Data Fight
If you are struggling to obtain data, your data is short lived, or worse, not strong enough for regulator scrutiny, we are your partner for default forecasts to bridge the gap while you prepare. We provide:

  • Direct links to analyzed national data
  • 8 loan categories (see example, right)
  • 5 factors (FICO, Loan Type, State, Origination Year, Origination Quarter)
  • 3 Economic Scenarios (Baseline, Optimistic, Pessimistic)


Have Your Own Data?
See how your numbers stack up against the best data in the industry.


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