Case study / Banking / Web app
A portfolio app for repossessed bank collateral. Staff score how well each asset will sell, calculate what it costs to prepare, and get a clear verdict on the next step.
01 / The problem
Where it started
When a loan goes bad, the bank can end up holding the collateral: land, a house, a shop. Each asset has its own documents, its own location and its own odds of selling. Each also has a time limit, so a slow decision has a price.
Without a shared method, one officer judges an asset by feel and another by spreadsheet. Nobody can compare two assets side by side, or see which ones need action first. ALMA PINTAR puts the whole portfolio, and one way of judging it, in a single application.
What success had to look like
One list of every asset, with its status and its next step.
A score that rates how easy each asset is to sell.
A cost check: does the price after preparation beat the cost of getting there?
A decision that goes through approval, with a named owner and a deadline.
02 / The process
Four steps, starting from the questions the bank asks about every asset.
Phase 01
Six factors that decide how well an asset sells, and two gates it must pass first.
Phase 02
Four tabs: identity, score and gate, cost, decision. A summary panel stays beside them.
Phase 03
The score total, the zone, the cost verdict and the status change, all calculated in the app.
Phase 04
Each asset moves from draft to waiting for approval, then to approved or back for revision.
03 / What we built
From the portfolio list to a proposal the approver can act on.
01 / Portfolio
The list shows the total and how many assets sit in each status: draft, waiting for approval, needs revision and approved. Search by code or name, filter by status, and open, edit or delete a row.
02 / Score and gate
Staff rate physical readiness, legality, access, price, narrative and ease of transaction from 1 to 5, and each score needs a field note as evidence. The total out of 30 puts the asset in a zone, with a first step to take.
03 / Cost calculation
Staff enter the price without repair, the repair cost, the cost of documents or possession, and marketing cost. A guide on the same page explains each term, and the app says if the work is worth doing.
04 / Asset identity
Each asset page records the type, location, document, possession status and the sales channel in use, with the score, readiness and verdict at the top.
05 / Time limit
Every asset carries a status deadline in months. The app tracks the months already offered and the number of failed auctions beside it.
06 / Decision
The last tab collects the proposed strategy, the person responsible, a deadline and the documents to prepare. A summary panel shows the zone, the verdict and execution readiness next to the request.
Screens come from a test build, with sample assets and figures. The scores, amounts and verdicts shown are illustrations, not real bank data.
Why a custom build
Collateral platforms such as axe Collateral Management and Loxon cover the loan lifecycle: valuation, documents, LTV monitoring and release. The bank here needed a different thing: a way to judge whether an unsold asset can be sold, and what to do about it.
| The bank needed | How the app handles it |
|---|---|
| A comparable score for assets that differ | Six factors rated 1 to 5, each with written evidence. |
| To know if preparing an asset is worth it | The price after preparation is checked against all preparation and sales costs. |
| A clock on every asset | A status deadline in months, tracked beside the months already offered. |
| A decision with an owner | A proposal with a person, a date and an approval step. |
Feature references from public vendor product pages, checked November 2026. No product reviewed describes a marketability score.
04 / Results
Portfolio, judgment, cost and decision, before and after the app.
BeforeAssets spread across files and officers.
NowA single list with status counts and search.
BeforeEach officer judged an asset in their own way.
NowSix factors, a total out of 30 and a zone.
NowPreparation is only recommended when the price after it beats the costs.
NowStrategy, owner and deadline go to an approver.
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