Appraisal Review
Every inventory appraisal checked against the perpetual and the last appraisal, NOLV changes explained.
Why it matters
Appraisals run long; checking NOLV recovery rates, categories and costs against the perpetual and the prior appraisal is slow and uneven.
How the solution handles it
Five agents read the appraisal, reconcile it to the perpetual by category and location, compare recovery rates with the prior appraisal, test costs, timing and mix assumptions, and write the memo. A credit officer accepts the NOLV.
How an appraisal moves
Five agents read the appraisal, reconcile the perpetual, compare the prior and test assumptions; a credit officer accepts the NOLV.
What it reads, and what it hands back.
What goes in
- Inventory appraisal (NOLV)
- Inventory perpetual by SKU and location
- Prior appraisals
- Sales and margin history
- Credit agreement inventory terms
What comes out
- Appraisal review memo
- NOLV by category, vs. prior
- Advance-rate check (% of NOLV)
- Questions for the appraiser
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Source: OCC Comptroller’s Handbook, Asset-Based Lending (up to 80% of NOLV) · “Typical” = published figure · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every borrowing-base certificate tied out, ineligibles recomputed and availability cited before the draw funds.
Aging AnalysisEvery aging normalized and read line by line for re-aging, contras and concentration, in minutes.
Field Exam WorkbenchField exam testing done before the examiner arrives, every sample tied to its invoice, BOL and cash.
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