James Nicol

Sydney, New South Wales, Australia Contact Info
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About

Resident problem solver and early riser at QuantPS.

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Experience & Education

  • Quant Property Solutions

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Volunteer Experience

  • Magen David Adom in Israel Graphic

    Emergency Medical Services Volunteer

    Magen David Adom in Israel

    - 7 months

    Health

    Provided ambulatory emergency service throughout Israel.

  • Médecins Sans Frontières (MSF) Graphic

    Field Refugee Coordinator

    Médecins Sans Frontières (MSF)

    - 4 months

    Health

    I sourced urgent medical treatment and supplies for newly arrived refugees in the Halayeb region of Egypt/Sudan.

Publications

  • The impairment costs of traditional non-quantitative retail banking practices during residential real estate foreclosure sales and their effect on National, Central & Reserve bank(s) policy

    Bank for International Settlement / Irving Fisher Committee

    Residential real estate is the world’s most commonly transacted financial asset.
    To facilitate this transaction, every country has its own unique sovereign
    prudential guidelines and requirements governing retail banking standards on
    residential mortgage lending.
    Since the global financial crisis of mid-2007 to early 2009, many countries’
    Central/National/Reserve banks and monetary authorities have increased supervisory
    measures to ensure responsible lending standards, and…

    Residential real estate is the world’s most commonly transacted financial asset.
    To facilitate this transaction, every country has its own unique sovereign
    prudential guidelines and requirements governing retail banking standards on
    residential mortgage lending.
    Since the global financial crisis of mid-2007 to early 2009, many countries’
    Central/National/Reserve banks and monetary authorities have increased supervisory
    measures to ensure responsible lending standards, and amplified consumer
    protection advocacy to defend against improper lending practices and improve
    market stability within their retail banking systems.
    And while the retail lenders’ requirements for mortgage loan approval and
    servicing are backed by standardised regulatory processes and approved prudential
    procedures, there is an opportunity for quantitative improvement within the product
    lifecycle of residential mortgages, specifically when non-performance necessitates
    repossession, and a foreclosure sale.
    With the creation of the Statistical Data and Metadata eXchange (SDMX) and
    ongoing updates to data analytics platforms and tools, there is an inference that
    Central/National/Reserve banks and Monetary Authorities can improve guidance and
    governance by incorporating quantitative data analytics tools, platforms and
    applications within qualitative risk management frameworks for better data-driven
    outcomes in their retail banking systems.
    To aid in that transition, we have built a micro-prudential application that
    improves transactional optimisation by benchmarking and indexing a retail bank’s
    choice of selling agent (market participant), facilitating a foreclosure sale.
    The application utilises a supervised, machine-learning, geo-spatial, geo-specific,
    market-augmented, time series regression algorithm, with predictive and prescriptive
    attributes, that eliminates the qualitative selection bias that impairs sale prices of
    bank-owned, repossessed and foreclosed residential real estate assets.

    See publication

Patents

  • SYSTEM AND METHOD FOR FINDING AN OPTIMAL REAL ESTATE AGENT OR AGENCY

    Filed 17/523,137

  • SYSTEM AND METHOD FOR FINDING AN OPTIMAL REAL ESTATE AGENT OR AGENCY

    Filed AU Patent Application No. 2021266285

Languages

  • English

    Native or bilingual proficiency

  • French

    Elementary proficiency

  • Hebrew

    Elementary proficiency

  • Yiddish

    Elementary proficiency

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