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Strategy
The Asset Management Division focuses on measuring and managing credit risk in residential loans and related securities through rigorous pre-purchase screening, post-acquisition surveillance, and control strategies. Whole Loans The loan acquisition platform creates value for both borrowers and investors through our distinctive approach to classifying assets. Our strategy strives to keep borrowers in their homes and avoid foreclosure. Through our Advanced Classification Techniques (ACT), we focus on identifying borrower ability and willingness to pay, and devising solutions and programs centered on that goal. Advanced Classification Techniques (ACT) ACT is a proprietary classification technique that enables the asset acquisition platform to classify risk by using the traditional 5 C’s of credit: Character, Capacity, Capital, Collateral and Conditions. This technique takes into account the most critical primary underwriting factors, unlike some models that tend to rely mainly on credit scores and Loan to Values. We employ contemporary technology to gather current loan, property, and borrower data which is compiled with original loan data to drive proactive strategic responses. ACT focuses on the fundamentals - evaluating each asset and then determining the best exit strategies for that loan.
In executing this unique approach, the portfolio management team collectively brings decades of Issuer, Wall Street and advisory experience in a multitude of capacities across hundreds of billions of dollars in mortgage-related transactions.
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