Loan Servicing
Comprehensive set of integrated and customizable services to support distressed debt acquisition, management and recovery. The company is structured to recover both unsecured and secured loans.
Choosing Portfolios
Relations with originators, portfolio investors and servicing clients and providers.
Portfolios analysis, valuation and pricing, investment teasers and market reports.
Defining Strategy
Selection of recovery strategies; business plan definition, implementation and control.
Continuous performance analysis and reporting.
Making it Perform
Judicial and extra-judicial recovery of secured and unsecured loans
Centralized Services, Contact Center, Automated Call System and Field agents.
Servicing Planning
Provide the reviewer with the information on the servicer’s experience, expertise and capabilities, including operational, financial and continuity risk.
"Coming together is a beginning. Keeping together is progress. Working together is success."
Henry Ford
Origination, Boarding and Activation
Perform due diligence on the portfolios and provide reports regarding data quality, accuracy and completion, in relation to stakeholders, outstanding loan amounts, validity of the underlying collateral and documentation. Perform migration, completion and protection of data and documentation.
Conduct third party valuations of specific underlying assets.
Initiate contact and skip-tracing.
Communicate creditors’ qualification and attestation.
Business Planning
Identify conditions to exit, including size, market, investors’, legal and regulatory frameworks, policies and risks.
Define strategies to recover, including restructuring, cash settlements, repossession, enforcement, recovery through insolvency and liquidation.
Define objectives, including milestones, estimated recovery values and recovery times.
Cash flow modeling.
Servicing Action Plans
All portfolio files, current accounts, data and contacts are managed by a specifically designed software for the industry, with several redundancy and security technologies, in order to obtain constant efficiency and accuracy.
"None of us is as smart as all of us.”
Ken Blanchard.
Analysis and Pricing
Segmentation of portfolios, including by performance, loan type, debtor type, collateral type, location, CapEx and OpEx requirements.
Analysis and comparison of historical servicer performance curves for unsecured portfolios and historical market performance for secured portfolios (static and dynamic data pools).
Analysis of economic environment, markets (NPL & RE) tendencies and overviews.
Price formulation under various stressed haircut scenarios, applying market value decline rates (MVD), distressed sales discount and recovery time assumptions.
Portfolio Management
Define and implement action plans.
Measure, evaluate and report.
Adjust and refine operating model to adequate policies and procedures.