Lending technology

Securitization software development

Pool selection and waterfall calculations still run through a spreadsheet with a dozen linked tabs, and one broken formula away from a very bad day. We build the platform that replaces it.

Review the securitization workflow

What is securitization software?

Securitization software runs the pool selection, waterfall calculations, and investor reporting behind a securitization or loan sale program. Codiot builds the software that replaces the spreadsheet-based process most programs start with, before a broken formula or a version-control mistake becomes an investor problem. (Note: 'securitisation' is the equivalent UK/international spelling for the same process.)

The moment you're probably in

You'll recognize one of these.

The spreadsheet-of-record risk

Your entire securitization waterfall lives in a spreadsheet that one person understands, and it's one broken link away from a very bad day.

The pool selection bottleneck

Selecting the optimal pool for a deal means manually filtering thousands of loans against dozens of criteria, every time.

The investor reporting scramble

Monthly investor reports get assembled by hand from multiple sources, and a mismatch means a very uncomfortable call.

What we build

Securitization software, end to end.

Sketch: loan documents pooling into a securitization structure

Select poolStructureWaterfallReport

Pool selection engine

Loans filtered and optimized against deal criteria automatically, not screened row by row.

Waterfall calculation

Cash flow waterfalls calculated in software, versioned and auditable instead of spreadsheet-fragile.

Investor reporting

Reports generated directly from the same data driving the waterfall, so numbers always reconcile.

Deal structuring tools

Modeling support for structuring tranches and testing scenarios before a deal is finalized.

Compliance and audit trail

Every calculation and data source logged for rating agency and investor scrutiny.

Loan tape integration

Connects directly to automated loan tape generation, rather than a separate manual process.

Systems we speak

Your stack, not our preferences.

PythonSnowflakeAWSEncompass

Is this right for you?

When it fits, and when it doesn't.

Signs you need this

·Deal preparation depends on fragile spreadsheets and manual waterfall math.
·Investor reporting is slow, and every deal reinvents the process.
·Diligence stalls because loan-level data is inconsistent or hard to assemble.
·You are scaling from occasional deals to a repeatable securitization program.

What's included

·Pool selection, eligibility checks, and waterfall calculations.
·Investor and trustee reporting for structured deals.
·Loan-level data assembly and validation from servicing.
·Audit trails and controls around deal data.

What's not

·Deal structuring, ratings, and legal documents, which sit with your bankers and counsel.
·The accounting system of record, which we integrate with rather than replace.
·Investment decisions or credit calls.

When this isn't the right fit

·You close only the occasional one-off deal where a spreadsheet still suffices.
·Your servicing data is not yet clean enough to build reporting on.
·The structure changes so fundamentally each deal that no pattern exists to encode yet.

FAQ

Common questions, answered plainly.

How much does securitization software cost?

Cost is driven by deal complexity and the number of tranche structures supported. We quote a fixed scope after discovery.

Can this replace our spreadsheet waterfall model?

Yes, that's the most common starting point: migrating an existing spreadsheet waterfall into an auditable, versioned system.

Does it support multiple deal structures?

Yes, the platform is built to model your specific tranche and waterfall structures, not a single generic template.

How does this help with investor reporting?

Reports are generated from the same underlying data as the waterfall calculation, so there's no manual reconciliation step where errors creep in.

How long does a securitization platform take to build?

A focused first release covering pool selection and one waterfall structure typically ships in 4-6 months.

The rest of the stack.

Loan tape automation Loan origination system development Lending industry hub Contact

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Show us how this runs today.

One call. Walk us through how it works in your shop today, and we'll tell you honestly where custom software pays off, and where it doesn't.

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