Understanding Advocate's Risk Profiles

In commercial real estate lending, no two insurance programs are identical. With hundreds of lender types, borrower structures, and asset classes in play, maintaining accurate insurance compliance at scale is a constant challenge.

Advocate Technologies solves this with dynamic risk profiles—automated rule sets that tailor insurance evaluation to the specific needs of each loan. Here's how the system works, and why it makes your reviews faster, smarter, and more reliable.

Each risk profile in the Advocate platform corresponds to a specific set of insurance requirements—whether you're working with:

• Fannie Mae

• Freddie Mac

• CMBS

• Portfolio or balance sheet lenders

These profiles are crafted using authoritative sources like agency selling and servicing guides and enhanced with custom investor overlays to reflect your unique standards.

Lifecycle flexibility is built in: different rules can apply for pre-close vs. post-close phases, ensuring accuracy at every stage.

Forget manual selection. Advocate auto-assigns the correct risk profile to each loan by analyzing key attributes, including:

• Lender or investor program

• Collateral type (multifamily, single-family rental, mixed-use, etc.)

• Regional and environmental risks (e.g., flood, wind, or wildfire exposure)

This dynamic matching eliminates guesswork and ensures consistency across your portfolio.

What if a loan has overlapping requirements—like a Fannie Mae loan with a PACE overlay, or a property with unique risk exposures?

Advocate handles this with layered rule logic, allowing for conditional rules based on specific scenarios. Examples include:

• “Add auto liability if vehicle exposure exists”

• “Use higher wind deductible threshold for Florida multifamily properties”

• “Require terrorism coverage for high-value NYC office towers”

This ensures even edge cases are evaluated correctly.

Once insurance documents are uploaded, Advocate goes to work:

• Automatically checks compliance against the assigned risk profile

• Flags discrepancies like missing coverage types, outdated policy language, or insufficient limits

• Categorizes issues by severity, so teams know exactly what to prioritize

This allows reviewers to focus on exceptions—not the busywork of document comparison.

Insurance rules evolve—but your records shouldn’t fall behind.

Advocate supports version-controlled risk profiles, so you can:

• Track changes over time (e.g., new Fannie Mae guidelines)

• Maintain a clear audit trail of which version was applied and when

• Ensure historical compliance remains intact while staying current going forward

Advocate’s risk profiling engine simplifies insurance reviews from start to finish. With this system:

• Reviews are completed faster

• Exceptions are automatically flagged and explained

• Waiver requests are pre-drafted, reducing manual work

• Audit-ready documentation ensures you’re always prepared

By embedding expertise into every review, Advocate helps your team scale with confidence—without sacrificing accuracy.