
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
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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.