Lender Services

Loan Portfolio / Credit Risk Review

  • Evaluate loan risk rating protocols and calculations

  • Calculate Probability of Default (PD), Loss Given Default (LGD), and Expected Loss (EL)

  • Establish and implement comprehensive loan review templates

  • Ensure all disclosure data remains current and accurate

Loan Sales

  • Assess individual loans and portfolios for potential sale opportunities

  • Help unlock capital and restore profitability

  • Provide loan price estimations and market analysis

  • Identify and connect with prospective buyers

  • Arrange secure data rooms for due diligence

  • Manage the entire bid process from start to finish

  • Negotiate favorable sale terms on your behalf

Receivership

  • Collaborate with law firms as court-appointed receivers

  • Handle situations involving impaired borrowers unable to meet loan obligations

  • Manage properties under control of defaulted borrowers

REO Management & Disposition

  • Assist lenders who have foreclosed on mortgages

  • Coordinate third-party property management services

  • Oversee the complete property sales process

  • Maximize recovery value from foreclosed properties

Case Studies

  • Challenge:

    A diversified financial services firm launched a new subsidiary with a unique structure that did not align with standard rating agency methodologies.

    Solution:

    AREC acted as strategic advisors throughout the credit rating process—engaging directly with all major rating agencies (both business and analytical units), managing contracts, coordinating discussions between the rating agencies and client, and ensuring alignment between the client’s business model and rating criteria. The subsidiary’s structure required a creative, hands-on approach to identify the right analytical teams and methodologies.

    Result:

    Successfully procured credit rating tailored to the unique structure that validated the new subsidiary’s business model, giving the firm the market credibility it needed for optimal bank financing.