Smart Lending Decisions
At SkenarioLabs, we provide banks and financial institutions with end-to-end solutions for managing risks in the loan origination process—from issuing new loans to refinancing and monitoring collateral. We specialise in assessing physical climate risks, transition risks (such as brown discounts), and market value risks, ensuring your real estate investments and collaterals are not only compliant but also optimised for future challenges.
In today’s dynamic regulatory landscape, understanding the properties you finance is more critical than ever. Many banks struggle to fully account for risks tied to the properties they underwrite, especially when remortgaging loans. Our platform empowers you to integrate energy performance, climate resilience, and valuation trends into your decision-making process.
With tailored solutions for EU and UK markets, SkenarioLabs makes it easy to identify opportunities for green financing, reduce exposure to stranded assets, and comply with frameworks like CRR3.
Core Benefits
Streamlined Loan Origination
Ensure smarter, faster loan decisions with automated property valuations, climate risk assessments, and energy efficiency metrics integrated into the loan process, from issuing the loan to monitoring the collateral.
Enhanced Portfolio Resilience
Proactively manage collateral risks throughout the loan lifecycle with real-time data on market value trends, energy retrofits, and regulatory compliance.
Effortless ESG Compliance
Meet CRR3, EU Taxonomy, and other regulatory standards with data-backed insights and automated compliance reporting.

Minimal client data requirements
Machine learning & AI technology
Globally adaptable algorithm
Flexible cloud-based system
Analysis across all asset classes
About Skenariolabs
Regulatory-Ready Tools
Align your loan origination and mortgage monitoring with CRR3 prudent valuation standards and ESG integration requirements effortlessly.
Localised Expertise
Our platform is tailored for EU and UK markets, ensuring compliance with market-specific regulations and trends.
Advanced Data and Analytics
Leverage AI-powered insights to identify green loan opportunities, mitigate risks, and optimize decision-making in both loan origination and mortgage portfolios.
Get Started with Us Today
Transform how you manage loans and mortgage risks with SkenarioLabs.
Contact us today to learn how we can help you streamline loan origination, monitor mortgage collaterals, and meet your ESG goals with ease.
Frequently Asked Questions
We integrate climate risk assessments, energy efficiency metrics, and prudent property valuations into your loan origination workflows, enabling faster and more informed lending decisions.
Our tools ensure compliance with CRR3 by incorporating prudently conservative valuations, monitoring energy upgrades, and aligning with supervisory requirements for ESG integration.
Yes! We identify properties eligible for green financing and provide data on retrofit opportunities, energy savings, and valuation impacts, helping you design and market competitive green loan products.
We provide detailed insights into the properties you refinance, including energy performance, retrofit opportunities, and long-term market viability—empowering better decisions for you and your customers.
We tackle physical climate risks (e.g., flooding, extreme weather), transition risks (e.g., brown discounts, regulatory changes), and market value risks, helping you future-proof your mortgage portfolios.
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case study highlight

HOW WE HELPED ARUP
Decarbonisation of large porfolios
Data access for retrofitting
Investigation of a baseline for comparison.
Data access for retrofitting
Investigation of a baseline for comparison.