Charles J Freeman

Title: Innovations of Charles J Freeman

Introduction

Charles J Freeman is an accomplished inventor based in Tampa, Florida. He has made significant contributions to the field of mortgage and loan portfolio management. With a total of two patents to his name, Freeman's work focuses on improving the analysis of loan portfolios.

Latest Patents

Freeman's latest patents include a method for mortgage and closed-end loan portfolio management. This invention serves as an analytic tool designed to enhance the analysis of both past and future performance of loan portfolios. One aspect of this invention involves aggregating loan units into loan vintages, where loans in each vintage originate within a predetermined time interval. The invention allows for comparisons between different vintages, ensuring that the ages of the loans are comparable. Additionally, an early warning component predicts delinquency rates for a portfolio of loans during a forward-looking time window. Another feature is a matrix link component that combines vintage analysis with early warning predictions to forecast default rates at selected future points in time. The results are graphically depicted and can provide decisive feedback regarding investments in various loan portfolios.

Career Highlights

Freeman is currently employed at The Chase Manhattan Bank, where he applies his innovative methods to enhance loan portfolio management. His expertise in this area has made him a valuable asset to the financial institution.

Collaborations

Freeman collaborates with his coworker, Xingxiong Xue, to further develop and refine his innovative approaches in the field of mortgage management.

Conclusion

Charles J Freeman's contributions to mortgage and loan portfolio management through his patents demonstrate his commitment to innovation in the financial sector. His work continues to influence the way loan portfolios are analyzed and managed.