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  • About Us
  • Solutions and Services
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Solutions and Services

Solutions and Services

We are committed to shaping bespoke credit risk solutions that enable financial operators to solve complex matters. We create new opportunities by providing specialized and flexible operations backed up by an excellent risk assessment approach. 

Service CapabilitiesMortgage InsuranceStructured Risk Solutions

Qualis offers wing to wing services, including:

Sourcing & structuring unique skills and relationships in EU banking industry at most senior levels
Pricing, Capital Modelling, Portfolio Monitoring
Credit Operations & Loss Mitigation
Fully developed, bespoke data warehouse system with IT change management resource
Full suite of MI on book performance, audit results, referrals, production & pipeline, market trends & economic analysis
Experienced back office support in Legal, Compliance, Regulatory, Government Relations & Corporate Governance
Risk Underwriting both insurance and banking background resources; rating agency–like due diligence and audit capabilities
Risk Assessment
  • Credit Policy DD
  • Loss Mitigation DD
  • Technical Pricing
  • Portfolio Cover Structuring
Origination
  • Loan Underwriting
  • Lender Training
  • Data Implementation
  • T&C Negotiation
  • Policy Implementation
Risk Management
  • Portfolio Analysis
  • Risk Consulting & Benchmarking
  • Quality Assurance Audits
  • Risk and Reserves reports
Loss Mitigation
  • Collections & Arrears Management
  • Predictive Analysis & Loss Mitigation
  • Claims Handling

What is Mortgage Insurance?

Our mortgage insurance solutions enable opportunities to promote financial sustainability and a green environment. We deliver responsible lending through the market's specific needs, working and engaging with our customers' interests to ensure affordability and transparency to support them in achieving sustainable goals. With a special focus on the younger generation and low deposit mortgages, our mortgage insurance solutions are designed to support banks and financial institutions, building societies to support homeownership in a greener environment.

 

Benefits of Mortgage Insurance

Enable and increase homeownership:
  1. Reduce net losses on new originations.
  2. Increase the product innovation.
  3. Give business and commercial continuity, supporting lenders in serving the market adequately. 
     

What are Structured Risk Solutions? 

Our structured risk solutions offer banks a very effective capital optimization and risk transfer tool that allows them to reduce their risk-weighted assets at a very competitive cost. Banks then have access to alternative and cheaper sources of capital that can effectively deploy to new lending. The ESG component is explicitly embedded in our solutions. 
 

How It Works

Portfolio cover via synthetic securitization of mortgage portfolios (junior and/or mezzanine tranches) or reinsurance of captive insurers that hold the mortgage risk (typically XoL reinsurance). 

Benefits of Structured Risk Solutions

  • Capital and balance sheet optimization and balance
  • Cost-effective execution of Significant Risk Transfer (SRT) transactions
  • Higher risk-adjusted return on the existing portfolios
  • New capital available to support profitable/sustainable growth

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Status Disclosure

Qualis U.K. Limited is registered in England and Wales with Company No. 12099030 and has its registered office at Exchequer Court, 33 St. Mary Axe, London, EC3A 8AA. VAT number GB 691 3798 88. It is authorised by the Financial Conduct Authority under FRN.914206 for insurance intermediation activities. This can be checked on the Financial Services Register by visiting register.fca.org.uk.

Qualis Europe S.r.l.
Sede Legale: Via Morigi 7, 20123 Milano (Italy)
Sede secondaria: Calle Méndez Álvaro, 20, Offices 219 & 220, 28045 Madrid (Spain)
Tel: +39. 02.83438150 | Pec: qualiseurope@pec.it | Email: info.it@qualiscreditrisk.com
Capitale Sociale €120.000,00 | Socio Unico - Soggetta all’attività di direzione e coordinamento della società Qualis UK Ltd | C.F./P.I. Registro delle Imprese di Milano-Monza-Brianza-Lodi 11051610969 | R.E.A. MI – 2575808 Qualis Europe S.r.l. è soggetta alla vigilanza di IVASS|N. iscrizione al RUI A000666157 (servizi.ivass.it/RuirPubblica/)