Automated pooling solution

Profit Software’s Mortgage Bank Manager provides all the core functionalities needed for running a mortgage banking business – including automatic and optimized pooling of mortgage loans for emitting and managing covered mortgage bonds and an automated credit rating agency, regulatory and business reporting and analytics. The solution is compatible with the European market; it is compliant with regulatory requirements in the EU area.

Experience from multiple deployments

The productized solution includes everything from feasibility analysis to the stabilization phase and can be implemented cost and time effectively to market. Our experience covers also applying for a concession agreement. Currently, the Mortgage Bank Manager solution covers almost 50 % of the Finnish mortgage loan base.

We’ve been there before

Hypo chose Profit Software to provide ERP for its Mortgage Bank business. Read the case.

Oma Säästöpankki, OP and S-Pankki are also using Mortgage Bank Manager. Read customer stories: Case Oma Säästöpankki and Case S-Pankki.

The solution covers the following areas:

  • Daily automated mortgage loan & collateral pooling
  • Cash flow and loan pool quality analysis
  • Automated reports for internal and external stakeholders such as rating agencies
  • Mortgage bank license requirements are flexibly fulfilled with our mortgage management core solution

Well-established system, proven by our customers

  • Optimized pooling produces a large pool for the bonds – and with better ratings – yielding more funds with lower costs
  • Credit rating reports, business and regulatory reports can be generated easily and automatically
  • Modern and generally used technology that can be effortlessly integrated into the core banking system
  • Managed application, always compliant with regulatory demands

Related solutions

Related technologies

  • .NET
  • MS SQL Server
  • MS Power BI or Qlik
  • MathWorks MATLAB
  • Cloud services (AWS, Azure, Google)

Contact information


Tomi Heiskari

Tomi Heiskari

Sales Manager

For details:

Tino Silfver

Tino Silfver

Director, International Business Development

Contact request