For structured credit desks

Your credit analyst, with the deal system behind it.

Graam indexes deal data, matches loans with property records, performance and public data, and builds the reports you want. Bid on more deals, with deeper diligence, in less time.

Enrich your portfolio. Research the entire market.

Match & enrich

Your loan tape→Graam→Enriched loan-level data

Upload a tape or connect your warehouse. Match loans to property records, HMDA and agency performance.

“Match these loans to property records and flag the ones appraised above the county value.”

Query & research

Your question→Graam→Answers, tables, analysis

Ask across Graam's data library: property records, mortgage originations, SEC filings, economic indicators, agency data.

“Show mortgage origination trends by lender, county and loan purpose since 2020.”

Connected dataProperty recordsHMDAEDGARFREDEIAFannie MaeFreddie MacGinnie Mae

Match your loans and documents to external datasets, or query those datasets directly.

Cashflow models from documents. Prepayment models from data.

From a question to a cashflow model

Run a scenario

“What happens to my deal if defaults rise to 5% and prepayments fall by a third?”

CPR12%→8%

CDR1%→5%

Severity25%→45%

Loan forecasts→Waterfall→Cashflows

Measure the impact

5.61%Class A yield↓ 21 bps

5.12%Class B yield↓ 333 bps

−4.2%XS yield↓ 2,280 bps

Graam forecasts loan performance, executes deal waterfalls, and calculates tranche-level cashflows, yields, WALs and break-evens.

Organize your deals. Automate the work.

Your dataProspectusesTerm sheetsPresalesLoan tapesRemittancesResearch

GraamDocuments and data organized by transaction, issuer, shelf and collateral.

Automate

Recurring reports
Remittance analysis
Portfolio updates
Performance monitoring

Explore

Search across deals
Compare structures
Query deal terms
Research past transactions

Graam turns your deal documents and collateral into an organized, searchable library that powers research and automated workflows.

Build the structure. Optimize the economics.

Start

Prospectusreconstruct the waterfall
Existing dealclone and modify
New loan tapebuild from collateral

Structure

Tranches & coupons
Payment waterfall
Triggers & credit enhancement

Optimize for

Target ratings
Maximum proceeds
Excess spread
Investor yields

Graam structures and solves

Execute

AAAA

M1AA

M2A

BBBB

XSNR

Criteria validation · S&P · FitchYields · WAL · Cashflows · Pricing

Graam reconstructs existing deals or builds new securitizations, sizes tranches against rating criteria, and solves for the economics.

Your workflows. Your analytics. Your way.

Teach it once

Monthly surveillance

Read the remittance report
Test the triggers
Update the prepay forecast
Write the memo, our format

saved as a skill · runs on new file

Run it your way

Your assumptionsyour CPR and CDR curves, your severities, your cohorts

Your analyticsyour IC memo, your trigger thresholds, your prepay model

Your datayour tapes, your documents, your warehouse

Describe the process your team runs today. Graam saves it as a skill that runs the same way every time, on your data, with your assumptions.

From renting to owning

Your analysis, built the way your desk works.

For years a credit desk had two options: a vendor platform that gives everyone the same reports, or models built in-house by a team you had to hire. AI removes that constraint. Graam turns your deal documents, your data and your methods into analysis you own, every number tied back to evidence, on the data and systems you already use.

Build it yourself: upload a deal, ask, and save the answer as a skill that reruns on every new report. Or work with us to onboard your data and build your first workflows with your team. Either way, what you get is yours to read, change and run, in our cloud or your own.

Built inMarket and public data, and structured finance skills, from day one.

You connectYour warehouse, your positions, your existing systems.

You createYour team’s process, saved as skills Graam runs the same way every time.

Your first ten minutes

What you can do the day you sign up

Start with documents you already have, or with data that is already loaded.

Your documents

Build an IC report

“Write the IC memo for this deal.”

Structure, collateral, triggers, performance and risks in one memo, each figure cited to its page.

Trigger cushion1.42 pts · p.88

Class B break-even11.4 CDR

Preloaded data

Run a prepayment report

“How fast is this pool paying vs. its cohort?”

Agency speeds by coupon and vintage. Nothing to upload.

pool vs. cohort CPR12 months

Your tapes

Diligence a loan tape

“Which loans on this tape worry you?”

Columns mapped, every property matched to county records, the riskiest loans named.

Appraisal ≥1.5x county9 loans

Absentee owner-occ.6 loans

Your deal

Stress a deal under any scenario

“What happens to Class B at 10 CDR?”

Run default, prepayment and severity scenarios through the deal's waterfall and see what each class takes.

5 CDR · Class Bno loss

10 CDR · Class B3.2% writedown

Your data

Stays yours

Private by defaultOnly your firm can see what you upload.

Your cloud or oursStart on ours today, or run Graam in your own environment.

Cited, every timeEvery figure links to the page or dataset it came from.

Questions

Before you sign up

Who can see what I upload?

Only people in your firm. Every document, tape and result is scoped to your organization, and nothing you upload is shared with other customers.

Which deals and asset classes does Graam handle?

Non-QM and agency RMBS, agency CRT, auto ABS, CLOs and other asset-backed deals. If your structure isn't covered yet, tell us and we'll build it with you.

Do I need to clean up my loan tape first?

No. Graam maps the columns from the headers and the values themselves, reads a data dictionary if you have one, and tells you which fields were empty or unusable.

Does it work with Claude?

Today you ask in Graam. A connector so your team can ask from Claude directly is in progress.

What file types can I upload?

PDF, Word, Excel, CSV, JSON, XML and plain text.

Get started

Upload a deal you already hold.

You'll have the analysis before the call you would have booked.

Book a demo