Cushman & Wakefield has launched a dedicated Banking Team and introduced the integrated Quality-Risk Model: a new standard for risk management and portfolio analysis in real estate financing. In light of tighter ECB regulations, stricter ESG requirements, and the rise of data-driven decision-making, it has become more urgent than ever for real estate lenders to assess risks more quickly and accurately.
The Banking Team brings together expertise from Strategic Consulting, ESG, Valuations, Debt & Structured Finance, and Data & Intelligence. The Quality-Risk Model supports real estate lenders in:
- assessing property risks in loan applications;
- determining and benchmarking quality (Quality Risk Rating, QRR);
- making rapid, data-driven go/no-go decisions;
- gaining insights into value-driving and risk factors at asset and portfolio level;
- setting appropriate loan terms and conditions;
- meeting the requirements of CRR Article 208 for real estate collateral;
- monitoring market value and portfolio performance.
Integrated Quality-Risk Model for Real Estate Lenders
Source: Cushman & Wakefield
“With all the changes in the real estate market, lenders need well-founded insights and practical tools,” says Annelou de Groot, CEO of Cushman & Wakefield Netherlands. “Our specialist Banking Team and integrated Quality-Risk Model enable them to gain sharper risk insights and make smarter decisions, faster — helping them stay in control of their portfolio in times of great change.”Quality-Risk Model
The Quality-Risk Model functions as a multi-stage filter system. Broad market and segment-level analyses lead to deeper dives at the asset level (QRR, ESG, climate risk). Assets with elevated risk are further assessed through the Automated Valuation Model (AVM). The final validation comes from a formal (re)valuation by certified NRVT appraisers, where data and market knowledge combine for a robust value assessment.
