Relations with originators, portfolio investors and servicing clients and providers.
Portfolios analysis, valuation and pricing, investment teasers and market reports.
Selection of recovery strategies; business plan definition, implementation and control.
Continuous performance analysis and reporting.
Judicial and extra-judicial recovery of secured and unsecured loans
Centralized Services, Contact Center, Automated Call System and Field agents.
"Coming together is a beginning. Keeping together is progress. Working together is success."
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.
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.
"None of us is as smart as all of us.”
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.
Define and implement action plans.
Measure, evaluate and report.
Adjust and refine operating model to adequate policies and procedures.